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 | |