Ferguson
Monticello, MS · Charter 18515 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$94.2MAssets
$67.5MLoans
$83.1MShares
$9.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets (rank 158 of 1683).
- Widest gap: nonperforming loans / loans trails 95% of credit unions under $1B in assets (rank 1593 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.05%
Rank 1,502 of 1,683
Net Interest Margin
4.93%
Rank 158 of 1,683
Efficiency Ratio
89.81%
Rank 1,378 of 1,682
Equity / Assets
9.63%
Rank 1,408 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.05% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,502 / 1,683 | |
| Return on Equity | -0.51% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,506 / 1,681 | |
| Net Interest Margin | 4.93% | 3.31% | 3.82% | 4.32% | Beats 91% | 158 / 1,683 | |
| Efficiency Ratio | 89.81% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,378 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.79% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,593 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.63% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,408 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.63% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,408 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 81.23% | 52.61% | 69.38% | 83.50% | 72nd pctl | 477 / 1,683 | |
| Loans / Assets | 71.64% | 44.71% | 59.18% | 70.72% | 77th pctl | 390 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |