Ampot
Hamilton, MS · Charter 19538 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$15.2MAssets
$7.8MLoans
$13.5MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 34% of credit unions under $1B in assets (rank 1115 of 1683).
- Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets (rank 1647 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 |