Columbus, MS · Charter 13334
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
28
Profitability
52
Liquidity
58
Efficiency
51
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.
Columbus, MS · Charter 13334
NCUA · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.00% | 2.23% | 1.31% | 1.19% | 1.13% | 1.18% | 0.68% | -63 bps | |
| Return on Equity | 11.28% | 8.98% | 19.85% | 11.65% | 10.25% | 9.74% | 10.51% | 6.20% | -545 bps | |
| Net Interest Margin | 3.67% | 3.84% | 4.12% | 4.20% | 4.32% | 4.24% | 3.95% | 3.92% | -29 bps | |
| Efficiency Ratio | 71.90% | 76.22% | 63.69% | 68.65% | 70.70% | 71.48% | 71.72% | 77.73% | +908 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | 2.90% | 5.77% | 7.13% | 2.46% | 5.52% | 7.70% | 9.84% | +271 bps | |
| Loan Growth (YoY) | 17.35% | 17.62% | 17.78% | 14.96% | 10.81% | 4.54% | -0.10% | -4.28% | -1,924 bps | |
| Share Growth (YoY) | -0.32% | 3.21% | 4.14% | 5.87% | 3.63% | 3.84% | 7.06% | 9.83% | +395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.84% | 0.79% | 0.71% | 1.06% | 1.51% | 1.71% | 1.16% | +45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.99% | 11.12% | 11.23% | 11.26% | 11.65% | 11.64% | 11.25% | 11.00% | -25 bps | |
| Net Worth / Assets | 10.99% | 11.12% | 11.23% | 11.26% | 11.65% | 11.64% | 11.25% | 11.00% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.99% | 62.91% | 62.66% | 64.65% | 66.29% | 63.34% | 58.47% | 56.34% | -831 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbus, MS · Charter 13334 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.68%
Rank 910 of 1,683
Net Interest Margin
3.92%
Rank 745 of 1,683
Efficiency Ratio
77.73%
Rank 819 of 1,682
Equity / Assets
11.00%
Rank 1,153 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.35% | 0.74% | 1.18% | Beats 46% | 910 / 1,683 | ||
| Return on Equity | 6.20% | 2.67% | 5.89% | 8.74% | Beats 53% | 783 / 1,681 | ||
| Net Interest Margin | 3.92% | 3.31% | 3.82% | 4.32% | Beats 56% | 745 / 1,683 | ||
| Efficiency Ratio | 77.73% | 68.91% | 78.20% | 86.93% | Beats 51% | 819 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.16% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,208 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.01% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,153 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.00% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,153 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.34% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,177 / 1,683 | ||
| Loans / Assets | 50.52% | 44.71% | 59.18% | 70.72% | 34th pctl | 1,105 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||