Gulfport, MS · Charter 242
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.15% | 0.20% | 0.50% | 0.47% | +41 bps | |
| Return on Equity | 0.37% | 0.84% | 1.15% | 2.85% | 2.67% | +230 bps | |
| Net Interest Margin | 4.11% | 4.24% | 4.20% | 4.51% | 4.60% | +49 bps | |
| Efficiency Ratio | 89.00% | 88.48% | 88.56% | 86.07% | 83.75% | -525 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.83% | -4.23% | 6.09% | 2.73% | 1.18% | +702 bps | |
| Loan Growth (YoY) | -1.25% | 1.28% | 5.40% | 6.35% | 8.84% | +1,008 bps | |
| Share Growth (YoY) | 4.65% | 5.77% | 6.28% | 2.84% | 0.98% | -367 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.66% | 17.82% | 17.36% | 17.50% | 17.70% | +5 bps | |
| Net Worth / Assets | 17.66% | 17.82% | 17.36% | 17.50% | 17.70% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |