Amory, MS · Charter 16449
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
67
Asset Quality
3
Profitability
74
Liquidity
0
Efficiency
84
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.
Amory, MS · Charter 16449
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 | 0.04% | 0.36% | -0.38% | 0.89% | 0.48% | 0.20% | 2.15% | 1.07% | +18 bps | |
| Return on Equity | 0.25% | 2.29% | -2.52% | 5.78% | 3.14% | 1.34% | 14.11% | 7.16% | +138 bps | |
| Net Interest Margin | 4.19% | 4.25% | 4.87% | 4.91% | 5.00% | 4.86% | 4.90% | 4.92% | +1 bps | |
| Efficiency Ratio | 80.92% | 79.65% | 65.04% | 64.50% | 63.17% | 68.11% | 60.22% | 63.49% | -101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.18% | -9.93% | -4.27% | 2.86% | 5.95% | 6.80% | 5.06% | 5.10% | +224 bps | |
| Loan Growth (YoY) | 6.28% | 10.89% | 14.26% | 14.71% | 10.29% | 6.20% | 5.50% | 1.30% | -1,341 bps | |
| Share Growth (YoY) | -9.62% | -11.94% | -5.32% | 2.11% | 6.23% | 7.83% | 4.94% | 5.66% | +355 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.05% | 4.98% | 2.42% | 3.92% | 3.52% | 5.20% | 5.80% | 5.21% | +130 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 | 1.21% | 1.13% | 1.29% | 1.19% | 1.39% | 1.50% | 1.32% | 1.43% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.46% | 15.89% | 15.12% | 15.44% | 15.26% | 15.08% | 15.22% | 15.00% | -44 bps | |
| Net Worth / Assets | 15.46% | 15.89% | 15.12% | 15.44% | 15.26% | 15.08% | 15.22% | 15.00% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.10% | 102.00% | 98.43% | 104.58% | 101.86% | 100.46% | 98.95% | 100.27% | -432 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Amory, MS · Charter 16449 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.08%
Rank 510 of 1,683
Net Interest Margin
4.91%
Rank 165 of 1,683
Efficiency Ratio
63.78%
Rank 262 of 1,682
Equity / Assets
15.00%
Rank 555 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.35% | 0.74% | 1.18% | Beats 70% | 510 / 1,683 | ||
| Return on Equity | 7.21% | 2.67% | 5.89% | 8.74% | Beats 63% | 622 / 1,681 | ||
| Net Interest Margin | 4.91% | 3.31% | 3.82% | 4.32% | Beats 90% | 165 / 1,683 | ||
| Efficiency Ratio | 63.78% | 68.91% | 78.20% | 86.93% | Beats 84% | 262 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.22% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,628 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.00% | 10.44% | 12.89% | 16.53% | Beats 67% | 555 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.00% | 10.44% | 12.89% | 16.53% | Beats 67% | 555 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.28% | 52.61% | 69.38% | 83.50% | 97th pctl | 57 / 1,683 | ||
| Loans / Assets | 85.05% | 44.71% | 59.18% | 70.72% | 97th pctl | 43 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||