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 | |