Jackson, MS · Charter 224
NCUA · 5 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
92
Asset Quality
56
Profitability
77
Liquidity
38
Efficiency
50
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.
Jackson, MS · Charter 224
NCUA · 5 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 | 2.00% | 2.09% | 1.35% | 3.15% | 2.90% | 3.26% | 1.45% | 1.45% | -170 bps | |
| Return on Equity | 9.11% | 9.59% | 6.44% | 15.25% | 13.65% | 14.91% | 6.36% | 6.17% | -908 bps | |
| Net Interest Margin | 5.93% | 5.88% | 5.60% | 5.62% | 5.58% | 5.57% | 5.21% | 5.36% | -26 bps | |
| Efficiency Ratio | 59.25% | 60.43% | 61.99% | 53.13% | 54.60% | 51.69% | 73.18% | 78.16% | +2,503 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.53% | 3.01% | 5.48% | 11.16% | 11.28% | 12.43% | 12.27% | 6.60% | -456 bps | |
| Loan Growth (YoY) | 1.86% | 0.48% | 7.44% | 17.74% | 19.14% | 15.36% | 4.66% | -2.07% | -1,981 bps | |
| Share Growth (YoY) | -1.65% | 0.43% | 2.51% | 7.23% | 9.11% | 10.54% | 10.81% | 5.86% | -137 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.62% | 0.58% | 0.61% | 0.67% | 0.61% | 0.52% | 0.55% | -5 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 | 21.94% | 21.76% | 20.95% | 20.65% | 21.23% | 21.83% | 22.77% | 23.43% | +278 bps | |
| Net Worth / Assets | 21.94% | 21.76% | 20.95% | 20.65% | 21.23% | 21.83% | 22.77% | 23.43% | +278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.60% | 85.16% | 85.99% | 90.29% | 91.29% | 88.87% | 81.21% | 83.52% | -677 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jackson, MS · Charter 224 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.45%
Rank 269 of 1,683
Net Interest Margin
5.36%
Rank 89 of 1,683
Efficiency Ratio
78.15%
Rank 838 of 1,682
Equity / Assets
23.43%
Rank 132 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.35% | 0.74% | 1.18% | Beats 84% | 269 / 1,683 | ||
| Return on Equity | 6.18% | 2.67% | 5.89% | 8.74% | Beats 53% | 787 / 1,681 | ||
| Net Interest Margin | 5.36% | 3.31% | 3.82% | 4.32% | Beats 95% | 89 / 1,683 | ||
| Efficiency Ratio | 78.15% | 68.91% | 78.20% | 86.93% | Beats 50% | 838 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 744 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.43% | 10.44% | 12.89% | 16.53% | Beats 92% | 132 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.43% | 10.44% | 12.89% | 16.53% | Beats 92% | 132 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.52% | 52.61% | 69.38% | 83.50% | 75th pctl | 419 / 1,683 | ||
| Loans / Assets | 63.80% | 44.71% | 59.18% | 70.72% | 60th pctl | 668 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||