PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Magnolia

Jackson, MS · Charter 224

NCUA · 5 branches

Q2 2026

$185.6MAssets
$118.4MLoans
$141.8MShares
$43.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.45%, down 170 bps year over year; NIM at 5.36%.
  • Asset quality: problem loans at 0.55% of loans (-5 bps YoY).
  • Capital: net worth / assets of 23.43%, up 278 bps from a year ago.
  • Funding: loans stand at 83.52% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%-170 bps YoY

Net Interest Margin (YTD, annualized)

5.36%-26 bps YoY

Efficiency Ratio (YTD, annualized)

78.16%+2,503 bps YoY

Net Worth / Assets

23.43%+278 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.15%2.90%3.26%1.45%1.45%-170 bps
Return on Equity15.25%13.65%14.91%6.36%6.17%-908 bps
Net Interest Margin5.62%5.58%5.57%5.21%5.36%-26 bps
Efficiency Ratio53.13%54.60%51.69%73.18%78.16%+2,503 bps
Growth
Asset Growth (YoY)11.16%11.28%12.43%12.27%6.60%-456 bps
Loan Growth (YoY)17.74%19.14%15.36%4.66%-2.07%-1,981 bps
Share Growth (YoY)7.23%9.11%10.54%10.81%5.86%-137 bps
Asset Quality
Delinquent Loans / Loans0.61%0.67%0.61%0.52%0.55%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.65%21.23%21.83%22.77%23.43%+278 bps
Net Worth / Assets20.65%21.23%21.83%22.77%23.43%+278 bps
Liquidity & Funding
Loans / Shares90.29%91.29%88.87%81.21%83.52%-677 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps