PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ferguson

Monticello, MS · Charter 18515

NCUA · 8 branches

Q2 2026

$94.2MAssets
$67.5MLoans
$83.1MShares
$9.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.05%, up 102 bps year over year; NIM at 4.93%.
  • Asset quality: problem loans at 3.79% of loans (-22 bps YoY).
  • Capital: net worth / assets of 9.63%, down 16 bps from a year ago.
  • Funding: loans stand at 81.23% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.05%+102 bps YoY

Net Interest Margin (YTD, annualized)

4.93%+59 bps YoY

Efficiency Ratio (YTD, annualized)

89.81%+260 bps YoY

Net Worth / Assets

9.63%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.07%-0.46%-0.46%0.29%-0.05%+102 bps
Return on Equity-10.89%-4.69%-4.74%2.94%-0.50%+1,038 bps
Net Interest Margin4.35%4.41%4.59%4.65%4.93%+59 bps
Efficiency Ratio87.22%87.95%89.80%90.23%89.81%+260 bps
Growth
Asset Growth (YoY)2.77%3.32%-5.70%1.13%0.18%-259 bps
Loan Growth (YoY)4.77%6.73%0.68%7.15%7.43%+266 bps
Share Growth (YoY)4.85%4.52%0.19%1.00%-1.88%-674 bps
Asset Quality
Delinquent Loans / Loans4.02%3.05%4.76%2.57%3.79%-22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.78%9.91%9.79%9.70%9.63%-16 bps
Net Worth / Assets9.78%9.91%9.79%9.70%9.63%-16 bps
Liquidity & Funding
Loans / Shares74.20%74.72%75.63%76.75%81.23%+704 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps