Gulfport, MS · Charter 242
NCUA · 4 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
80
Asset Quality
27
Profitability
46
Liquidity
44
Efficiency
33
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.
Gulfport, MS · Charter 242
NCUA · 4 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 | 0.14% | -0.06% | 0.44% | 0.07% | 0.15% | 0.20% | 0.50% | 0.47% | +41 bps | |
| Return on Equity | 0.79% | -0.33% | 2.48% | 0.37% | 0.84% | 1.15% | 2.85% | 2.67% | +230 bps | |
| Net Interest Margin | 3.83% | 4.16% | 4.14% | 4.11% | 4.24% | 4.20% | 4.51% | 4.60% | +49 bps | |
| Efficiency Ratio | 86.09% | 86.55% | 88.95% | 89.00% | 88.48% | 88.56% | 86.07% | 83.75% | -525 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.30% | -9.02% | -8.83% | -5.83% | -4.23% | 6.09% | 2.73% | 1.18% | +702 bps | |
| Loan Growth (YoY) | -1.45% | -3.55% | -1.65% | -1.25% | 1.28% | 5.40% | 6.35% | 8.84% | +1,008 bps | |
| Share Growth (YoY) | -2.62% | -0.17% | 0.11% | 4.65% | 5.77% | 6.28% | 2.84% | 0.98% | -367 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.78% | 1.57% | 1.17% | 1.27% | 1.73% | 1.79% | 1.08% | 1.22% | -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 | 17.27% | 18.37% | 17.91% | 17.66% | 17.82% | 17.36% | 17.50% | 17.70% | +5 bps | |
| Net Worth / Assets | 17.27% | 18.37% | 17.91% | 17.66% | 17.82% | 17.36% | 17.50% | 17.70% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.21% | 79.42% | 76.73% | 76.10% | 78.73% | 78.77% | 79.35% | 82.03% | +593 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gulfport, MS · Charter 242 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.47%
Rank 1,164 of 1,683
Net Interest Margin
4.60%
Rank 285 of 1,683
Efficiency Ratio
83.74%
Rank 1,127 of 1,682
Equity / Assets
17.70%
Rank 345 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,164 / 1,683 | ||
| Return on Equity | 2.66% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,265 / 1,681 | ||
| Net Interest Margin | 4.60% | 3.31% | 3.82% | 4.32% | Beats 83% | 285 / 1,683 | ||
| Efficiency Ratio | 83.74% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,127 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.22% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,236 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.70% | 10.44% | 12.89% | 16.53% | Beats 80% | 345 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.70% | 10.44% | 12.89% | 16.53% | Beats 80% | 345 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.03% | 52.61% | 69.38% | 83.50% | 73rd pctl | 453 / 1,683 | ||
| Loans / Assets | 66.28% | 44.71% | 59.18% | 70.72% | 65th pctl | 587 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||