Amory, MS · Charter 17681
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 | 2.35% | 1.91% | 1.35% | 1.77% | 1.72% | -63 bps | |
| Return on Equity | 13.37% | 10.40% | 7.32% | 9.30% | 8.85% | -452 bps | |
| Net Interest Margin | 4.85% | 5.09% | 5.10% | 4.67% | 4.77% | -8 bps | |
| Efficiency Ratio | 65.01% | 65.87% | 68.02% | 68.22% | 67.10% | +210 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.94% | -2.83% | -4.22% | -5.30% | -4.66% | -560 bps | |
| Loan Growth (YoY) | -7.54% | -7.07% | -4.88% | -1.00% | 0.12% | +766 bps | |
| Share Growth (YoY) | -1.99% | -6.36% | -6.60% | -7.77% | -6.72% | -473 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.73% | 0.28% | 1.16% | 1.08% | 1.05% | +32 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.57% | 18.41% | 18.46% | 19.07% | 19.37% | +181 bps | |
| Net Worth / Assets | 17.57% | 18.41% | 18.46% | 19.07% | 19.37% | +181 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |