Gulfport, MS · Charter 14824
NCUA · 1 branch
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 | 0.67% | 0.45% | 0.22% | 0.34% | 0.65% | 0.75% | 0.17% | 0.10% | -24 bps | |
| Return on Equity | 1.89% | 1.22% | 0.61% | 0.90% | 1.81% | 1.99% | 0.46% | 0.27% | -63 bps | |
| Net Interest Margin | 4.23% | 4.54% | 4.84% | 5.10% | 4.95% | 5.11% | 4.66% | 4.67% | -43 bps | |
| Efficiency Ratio | 85.78% | 88.22% | 97.36% | 93.81% | 88.63% | 87.00% | 86.29% | 89.97% | -384 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.89% | -5.87% | -7.82% | -7.45% | -0.62% | 0.05% | -1.54% | -0.51% | +694 bps | |
| Loan Growth (YoY) | -17.74% | -16.42% | -23.09% | -3.78% | 4.54% | 4.81% | 16.77% | -4.86% | -108 bps | |
| Share Growth (YoY) | -13.43% | -13.06% | -11.75% | -11.65% | -1.42% | 3.45% | -3.57% | -1.69% | +996 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 2.18% | 1.99% | 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 | 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 | 35.55% | 36.97% | 36.59% | 37.47% | 36.19% | 37.71% | 37.91% | 38.30% | +83 bps | |
| Net Worth / Assets | 35.55% | 36.97% | 36.59% | 37.47% | 36.19% | 37.71% | 37.91% | 38.30% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.18% | 56.81% | 45.50% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |