Amory, MS · Charter 17681
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
85
Asset Quality
28
Profitability
84
Liquidity
77
Efficiency
78
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 17681
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 | 0.59% | 1.60% | 1.92% | 2.35% | 1.91% | 1.35% | 1.77% | 1.72% | -63 bps | |
| Return on Equity | 3.85% | 9.79% | 11.41% | 13.37% | 10.40% | 7.32% | 9.30% | 8.85% | -452 bps | |
| Net Interest Margin | 4.27% | 4.27% | 4.91% | 4.85% | 5.09% | 5.10% | 4.67% | 4.77% | -8 bps | |
| Efficiency Ratio | 73.64% | 59.74% | 66.93% | 65.01% | 65.87% | 68.02% | 68.22% | 67.10% | +210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.15% | 1.67% | 1.52% | 0.94% | -2.83% | -4.22% | -5.30% | -4.66% | -560 bps | |
| Loan Growth (YoY) | 10.04% | 7.67% | -3.44% | -7.54% | -7.07% | -4.88% | -1.00% | 0.12% | +766 bps | |
| Share Growth (YoY) | -3.01% | 0.05% | -0.49% | -1.99% | -6.36% | -6.60% | -7.77% | -6.72% | -473 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.10% | 1.29% | 1.49% | 1.00% | 2.04% | 1.32% | 1.18% | -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 | 0.75% | 0.87% | 0.83% | 0.73% | 0.28% | 1.16% | 1.08% | 1.05% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.32% | 16.39% | 16.84% | 17.57% | 18.41% | 18.46% | 19.07% | 19.37% | +181 bps | |
| Net Worth / Assets | 15.32% | 16.39% | 16.84% | 17.57% | 18.41% | 18.46% | 19.07% | 19.37% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.90% | 60.89% | 57.89% | 58.10% | 61.43% | 62.01% | 62.14% | 62.36% | +426 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 17681 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.71%
Rank 163 of 1,683
Net Interest Margin
4.77%
Rank 219 of 1,683
Efficiency Ratio
67.15%
Rank 367 of 1,682
Equity / Assets
19.37%
Rank 251 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.71% | 0.35% | 0.74% | 1.18% | Beats 90% | 163 / 1,683 | ||
| Return on Equity | 8.83% | 2.67% | 5.89% | 8.74% | Beats 75% | 414 / 1,681 | ||
| Net Interest Margin | 4.77% | 3.31% | 3.82% | 4.32% | Beats 87% | 219 / 1,683 | ||
| Efficiency Ratio | 67.15% | 68.91% | 78.20% | 86.93% | Beats 78% | 367 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.16% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,207 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.37% | 10.44% | 12.89% | 16.53% | Beats 85% | 251 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.37% | 10.44% | 12.89% | 16.53% | Beats 85% | 251 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.35% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,042 / 1,683 | ||
| Loans / Assets | 50.18% | 44.71% | 59.18% | 70.72% | 34th pctl | 1,117 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||