Magnolia
Jackson, MS · Charter 224 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$185.6MAssets
$118.4MLoans
$141.8MShares
$43.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets (rank 89 of 1683).
- Widest gap: efficiency ratio trails 50% of credit unions under $1B in assets (rank 838 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 |