Hamilton, MS · Charter 19538
NCUA · 2 branches
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
34
Asset Quality
16
Profitability
2
Liquidity
63
Efficiency
2
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.
Hamilton, MS · Charter 19538
NCUA · 2 branches
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 | 0.89% | 0.83% | -3.26% | -2.84% | -0.38% | -0.76% | -2.70% | -1.81% | +103 bps | |
| Return on Equity | 7.02% | 7.52% | -27.52% | -23.14% | -3.15% | -6.21% | -23.85% | -16.17% | +697 bps | |
| Net Interest Margin | 3.72% | 3.62% | 2.28% | 2.30% | 2.29% | 2.22% | 2.23% | 2.19% | -11 bps | |
| Efficiency Ratio | 78.09% | 79.28% | 113.60% | 202% | 114.99% | 124.71% | 114.02% | 123.46% | -7,825 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | 2.84% | 0.70% | -4.31% | -5.68% | -5.94% | -4.35% | 0.30% | +461 bps | |
| Loan Growth (YoY) | 11.27% | 9.13% | 2.45% | -4.18% | -4.16% | -5.12% | -3.12% | 3.50% | +768 bps | |
| Share Growth (YoY) | 0.46% | 4.07% | 2.63% | -2.93% | -3.96% | -5.85% | -4.36% | 1.16% | +410 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.29% | 1.75% | 1.13% | 1.51% | 1.51% | 1.47% | 1.88% | 1.84% | +33 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.66% | 11.00% | 11.86% | 12.30% | 12.09% | 12.23% | 11.34% | 11.20% | -110 bps | |
| Net Worth / Assets | 12.66% | 11.00% | 11.86% | 12.30% | 12.09% | 12.23% | 11.34% | 11.20% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.02% | 57.04% | 55.33% | 56.62% | 56.90% | 57.48% | 56.04% | 57.93% | +131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hamilton, MS · Charter 19538 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-1.81%
Rank 1,642 of 1,683
Net Interest Margin
2.18%
Rank 1,645 of 1,683
Efficiency Ratio
123.67%
Rank 1,647 of 1,682
Equity / Assets
11.20%
Rank 1,115 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.81% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,642 / 1,683 | ||
| Return on Equity | -16.19% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,645 / 1,681 | ||
| Net Interest Margin | 2.18% | 3.31% | 3.82% | 4.32% | Beats 2% | 1,645 / 1,683 | ||
| Efficiency Ratio | 123.67% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,647 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.84% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,419 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.20% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,115 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.20% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,115 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.93% | 52.61% | 69.38% | 83.50% | 32nd pctl | 1,145 / 1,683 | ||
| Loans / Assets | 51.42% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,072 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||