Philadelphia, MS · Charter 16435
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |