Hamilton, MS · Charter 19538
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.84% | -0.38% | -0.76% | -2.70% | -1.81% | +103 bps | |
| Return on Equity | -23.14% | -3.15% | -6.21% | -23.85% | -16.17% | +697 bps | |
| Net Interest Margin | 2.30% | 2.29% | 2.22% | 2.23% | 2.19% | -11 bps | |
| Efficiency Ratio | 202% | 114.99% | 124.71% | 114.02% | 123.46% | -7,825 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.31% | -5.68% | -5.94% | -4.35% | 0.30% | +461 bps | |
| Loan Growth (YoY) | -4.18% | -4.16% | -5.12% | -3.12% | 3.50% | +768 bps | |
| Share Growth (YoY) | -2.93% | -3.96% | -5.85% | -4.36% | 1.16% | +410 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.30% | 12.09% | 12.23% | 11.34% | 11.20% | -110 bps | |
| Net Worth / Assets | 12.30% | 12.09% | 12.23% | 11.34% | 11.20% | -110 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |