Gulfport, MS · Charter 14824
NCUA · 1 branch
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
99
Asset Quality
83
Profitability
37
Liquidity
55
Efficiency
18
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.
Gulfport, MS · Charter 14824
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.65% | 0.75% | 0.17% | 0.10% | -24 bps | |
| Return on Equity | 0.90% | 1.81% | 1.99% | 0.46% | 0.27% | -63 bps | |
| Net Interest Margin | 5.10% | 4.95% | 5.11% | 4.66% | 4.67% | -43 bps | |
| Efficiency Ratio | 93.81% | 88.63% | 87.00% | 86.29% | 89.97% | -384 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.45% | -0.62% | 0.05% | -1.54% | -0.51% | +694 bps | |
| Loan Growth (YoY) | -3.78% | 4.54% | 4.81% | 16.77% | -4.86% | -108 bps | |
| Share Growth (YoY) | -11.65% | -1.42% | 3.45% | -3.57% | -1.69% | +996 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.27% | 0.20% | 0.43% | 0.16% | +1 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.47% | 36.19% | 37.71% | 37.91% | 38.30% | +83 bps | |
| Net Worth / Assets | 37.47% | 36.19% | 37.71% | 37.91% | 38.30% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.53% | 54.27% | 57.56% | 55.09% | 55.67% | -185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gulfport, MS · Charter 14824 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.10%
Rank 1,444 of 1,683
Net Interest Margin
4.66%
Rank 263 of 1,683
Efficiency Ratio
89.86%
Rank 1,379 of 1,682
Equity / Assets
38.30%
Rank 18 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,444 / 1,683 | |
| Return on Equity | 0.27% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,469 / 1,681 | |
| Net Interest Margin | 4.66% | 3.31% | 3.82% | 4.32% | Beats 84% | 263 / 1,683 | |
| Efficiency Ratio | 89.86% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,379 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 83% | 290 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 38.30% | 10.44% | 12.89% | 16.53% | Beats 99% | 18 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 38.30% | 10.44% | 12.89% | 16.53% | Beats 99% | 18 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.67% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,199 / 1,683 | |
| Loans / Assets | 34.37% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,481 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||