Mayersville, MS · Charter 19253
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 | -5.84% | -5.71% | -1.70% | 0.77% | -0.01% | -1.28% | 5.76% | 2.52% | +175 bps | |
| Return on Equity | -48.60% | -53.88% | -15.52% | 6.31% | -0.07% | -11.04% | 41.47% | 17.80% | +1,149 bps | |
| Net Interest Margin | 4.34% | 3.41% | 5.75% | 7.45% | 7.06% | 6.04% | 13.03% | 9.93% | +248 bps | |
| Efficiency Ratio | 104.53% | 139.65% | 126.69% | 90.46% | 100.10% | 119.26% | 57.86% | 75.93% | -1,453 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.25% | -9.19% | -15.34% | -9.88% | -12.38% | -17.97% | -18.19% | -18.27% | -839 bps | |
| Loan Growth (YoY) | -17.63% | -16.01% | -20.13% | -19.30% | -12.66% | -24.49% | -26.88% | -27.48% | -817 bps | |
| Share Growth (YoY) | -5.98% | -5.11% | -13.03% | -10.14% | -12.73% | -19.13% | -20.96% | -20.28% | -1,014 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 18.42% | 23.49% | 15.56% | 10.73% | 12.26% | 22.44% | 12.35% | 8.94% | -179 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 | 4.84% | 7.61% | 4.39% | 0.67% | 1.27% | 1.91% | 5.98% | 5.65% | +499 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.02% | 10.59% | 10.94% | 12.20% | 12.13% | 11.62% | 13.90% | 14.17% | +197 bps | |
| Net Worth / Assets | 12.02% | 10.59% | 10.94% | 12.20% | 12.13% | 11.62% | 13.90% | 14.17% | +197 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.65% | 46.51% | 46.63% | 48.17% | 47.69% | 43.43% | 43.13% | 43.82% | -435 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |