PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Triangle

Columbus, MS · Charter 13334

NCUA · 5 branches

Q2 2026

$129.0MAssets
$65.2MLoans
$115.6MShares
$14.2MNet 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 0.68%, down 63 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 1.16% of loans (+45 bps YoY).
  • Capital: net worth / assets of 11.00%, down 25 bps from a year ago.
  • Funding: loans stand at 56.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%-63 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-29 bps YoY

Efficiency Ratio (YTD, annualized)

77.73%+908 bps YoY

Net Worth / Assets

11.00%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.19%1.13%1.18%0.68%-63 bps
Return on Equity11.65%10.25%9.74%10.51%6.20%-545 bps
Net Interest Margin4.20%4.32%4.24%3.95%3.92%-29 bps
Efficiency Ratio68.65%70.70%71.48%71.72%77.73%+908 bps
Growth
Asset Growth (YoY)7.13%2.46%5.52%7.70%9.84%+271 bps
Loan Growth (YoY)14.96%10.81%4.54%-0.10%-4.28%-1,924 bps
Share Growth (YoY)5.87%3.63%3.84%7.06%9.83%+395 bps
Asset Quality
Delinquent Loans / Loans0.71%1.06%1.51%1.71%1.16%+45 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 Capital11.26%11.65%11.64%11.25%11.00%-25 bps
Net Worth / Assets11.26%11.65%11.64%11.25%11.00%-25 bps
Liquidity & Funding
Loans / Shares64.65%66.29%63.34%58.47%56.34%-831 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps