Amory, MS · Charter 16449
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 | 0.89% | 0.48% | 0.20% | 2.15% | 1.07% | +18 bps | |
| Return on Equity | 5.78% | 3.14% | 1.34% | 14.11% | 7.16% | +138 bps | |
| Net Interest Margin | 4.91% | 5.00% | 4.86% | 4.90% | 4.92% | +1 bps | |
| Efficiency Ratio | 64.50% | 63.17% | 68.11% | 60.22% | 63.49% | -101 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.86% | 5.95% | 6.80% | 5.06% | 5.10% | +224 bps | |
| Loan Growth (YoY) | 14.71% | 10.29% | 6.20% | 5.50% | 1.30% | -1,341 bps | |
| Share Growth (YoY) | 2.11% | 6.23% | 7.83% | 4.94% | 5.66% | +355 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.19% | 1.39% | 1.50% | 1.32% | 1.43% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.44% | 15.26% | 15.08% | 15.22% | 15.00% | -44 bps | |
| Net Worth / Assets | 15.44% | 15.26% | 15.08% | 15.22% | 15.00% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |