Philadelphia, MS · Charter 16435
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
54
Asset Quality
37
Profitability
75
Liquidity
11
Efficiency
76
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.
Philadelphia, MS · Charter 16435
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 | 1.72% | 1.60% | 1.59% | 1.38% | 1.47% | 1.49% | 1.00% | 1.30% | -8 bps | |
| Return on Equity | 13.51% | 13.15% | 12.68% | 11.13% | 11.46% | 11.48% | 8.15% | 9.84% | -130 bps | |
| Net Interest Margin | 4.53% | 4.20% | 4.24% | 4.13% | 4.20% | 4.19% | 3.79% | 4.06% | -7 bps | |
| Efficiency Ratio | 63.15% | 64.74% | 69.70% | 68.83% | 69.04% | 69.08% | 75.01% | 68.21% | -61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.71% | 4.47% | 2.25% | 7.09% | 11.56% | 5.18% | 13.23% | 4.64% | -246 bps | |
| Loan Growth (YoY) | 3.99% | -3.42% | -6.18% | -3.13% | 5.47% | 9.44% | 11.77% | 7.13% | +1,026 bps | |
| Share Growth (YoY) | -3.92% | 4.34% | 0.85% | 5.66% | 11.23% | 3.95% | 13.34% | 4.31% | -134 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 1.14% | 0.46% | 0.59% | 0.54% | 0.69% | 0.47% | 0.91% | +32 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 | 12.70% | 12.20% | 12.56% | 12.43% | 12.79% | 13.02% | 12.30% | 13.24% | +81 bps | |
| Net Worth / Assets | 12.70% | 12.20% | 12.56% | 12.43% | 12.79% | 13.02% | 12.30% | 13.24% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.50% | 40.43% | 40.06% | 41.08% | 42.20% | 42.56% | 39.50% | 42.19% | +111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Philadelphia, MS · Charter 16435 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.30%
Rank 347 of 1,683
Net Interest Margin
4.05%
Rank 624 of 1,683
Efficiency Ratio
68.25%
Rank 404 of 1,682
Equity / Assets
13.24%
Rank 778 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.30% | 0.35% | 0.74% | 1.18% | Beats 79% | 347 / 1,683 | ||
| Return on Equity | 9.84% | 2.67% | 5.89% | 8.74% | Beats 82% | 297 / 1,681 | ||
| Net Interest Margin | 4.05% | 3.31% | 3.82% | 4.32% | Beats 63% | 624 / 1,683 | ||
| Efficiency Ratio | 68.25% | 68.91% | 78.20% | 86.93% | Beats 76% | 404 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.91% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,053 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.24% | 10.44% | 12.89% | 16.53% | Beats 54% | 778 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.24% | 10.44% | 12.89% | 16.53% | Beats 54% | 778 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.19% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,460 / 1,683 | ||
| Loans / Assets | 36.28% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,440 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||