PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Centuryfirst

Hattiesburg, MS · Charter 24668

NCUA · 8 branches

Q2 2026

$144.9MAssets
$110.9MLoans
$124.8MShares
$19.5MNet 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 0.87%, down 20 bps year over year; NIM at 5.47%.
  • Asset quality: problem loans at 1.80% of loans (-113 bps YoY).
  • Capital: net worth / assets of 13.48%, down 198 bps from a year ago.
  • Funding: loans stand at 88.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%-20 bps YoY

Net Interest Margin (YTD, annualized)

5.47%-172 bps YoY

Efficiency Ratio (YTD, annualized)

69.60%+876 bps YoY

Net Worth / Assets

13.48%-198 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.08%1.18%0.71%0.87%-20 bps
Return on Equity6.97%10.59%7.78%4.84%6.48%-48 bps
Net Interest Margin7.20%5.89%5.99%5.56%5.47%-172 bps
Efficiency Ratio60.84%63.19%64.29%69.97%69.60%+876 bps
Growth
Asset Growth (YoY)0.16%52.64%48.14%51.80%59.39%+5,923 bps
Loan Growth (YoY)1.59%44.32%41.28%39.86%39.17%+3,758 bps
Share Growth (YoY)0.82%54.22%47.89%51.24%64.65%+6,383 bps
Asset Quality
Delinquent Loans / Loans2.93%2.34%2.07%1.44%1.80%-113 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 Capital15.46%10.17%15.15%14.76%13.48%-198 bps
Net Worth / Assets15.46%10.17%15.15%14.76%13.48%-198 bps
Liquidity & Funding
Loans / Shares105.13%96.24%97.68%91.82%88.86%-1,627 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps