PackageTrendsPeer
Letter portraitLegal landscape

Bayou

Baton Rouge, LA · Charter 9931

NCUA · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Baton Rouge, LA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Baton Rouge, LA area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

52

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

64

Q2 2024Q2 2026peer median

Efficiency

57

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bayou

Baton Rouge, LA · Charter 9931

NCUA · 4 branches

Q2 2026

$82.5MAssets
$55.5MLoans
$69.0MShares
$13.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.67%, up 26 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.30% of loans (+7 bps YoY).
  • Capital: net worth / assets of 15.91%, up 112 bps from a year ago.
  • Funding: loans stand at 80.46% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+35 bps YoY

Efficiency Ratio (YTD, annualized)

79.93%-621 bps YoY

Net Worth / Assets

15.91%+112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.59%0.83%0.50%0.67%+26 bps
Return on Equity2.78%3.88%5.28%3.23%4.20%+142 bps
Net Interest Margin3.02%3.14%3.17%3.42%3.38%+35 bps
Efficiency Ratio86.14%80.71%77.35%84.69%79.93%-621 bps
Growth
Asset Growth (YoY)0.67%0.82%1.14%0.84%-1.13%-181 bps
Loan Growth (YoY)-1.35%-0.64%0.40%1.05%-2.38%-103 bps
Share Growth (YoY)-0.83%-0.76%-0.12%-0.47%-2.82%-199 bps
Asset Quality
Delinquent Loans / Loans0.23%0.17%0.33%0.25%0.30%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.79%15.21%15.65%15.47%15.91%+112 bps
Net Worth / Assets14.79%15.21%15.65%15.47%15.91%+112 bps
Liquidity & Funding
Loans / Shares80.09%81.95%83.09%80.26%80.46%+36 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bayou

Baton Rouge, LA · Charter 9931 · Peer group: credit unions under $1B in assets in the Baton Rouge, LA area (n=21)

NCUA · 4 branches

Q2 2026

$82.5MAssets
$55.5MLoans
$69.0MShares
$13.1MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 3 of 21).
  • Widest gap: net interest margin trails 86% of credit unions under $1B in assets in the Baton Rouge, LA area (rank 18 of 21).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.67%

Rank 10 of 21

Net Interest Margin

3.37%

Rank 18 of 21

Efficiency Ratio

79.98%

Rank 10 of 21

Equity / Assets

15.91%

Rank 10 of 21

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.67%0.20%0.59%1.13%Beats 52%10 / 21
Return on Equity4.19%1.01%4.78%7.97%Beats 43%12 / 21
Net Interest Margin3.37%3.81%3.95%4.86%Beats 14%18 / 21
Efficiency Ratio79.98%72.50%80.80%90.61%Beats 57%10 / 21
Asset Quality
Nonperforming Loans / Loans0.30%0.36%0.80%1.45%Beats 90%3 / 21
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.91%11.23%14.10%17.49%Beats 52%10 / 21
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.91%11.23%14.10%17.49%Beats 52%10 / 21
Liquidity & Funding
Loans / Deposits80.45%58.58%76.49%83.93%67th pctl7 / 21
Loans / Assets67.31%53.07%62.76%69.97%67th pctl7 / 21
Brokered Deposits / Depositsn/aNot reported for this institution