McComb, MS · Charter 24859
NCUA · 2 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
60
Asset Quality
0
Profitability
99
Liquidity
23
Efficiency
100
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.
McComb, MS · Charter 24859
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.56% | 2.90% | 2.32% | 1.88% | 2.49% | -407 bps | |
| Return on Equity | 56.17% | 25.64% | 23.59% | 14.00% | 17.80% | -3,837 bps | |
| Net Interest Margin | 9.92% | 5.00% | 5.72% | 6.75% | 7.29% | -263 bps | |
| Efficiency Ratio | 37.94% | 51.33% | 56.32% | 60.89% | 29.23% | -871 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.75% | 0.00% | 2.77% | -3.15% | -5.92% | -668 bps | |
| Loan Growth (YoY) | -7.95% | 0.00% | -7.15% | -7.09% | -12.14% | -419 bps | |
| Share Growth (YoY) | -5.39% | 0.00% | 2.12% | -5.45% | -6.55% | -116 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.71% | 5.52% | 23.48% | 20.48% | 26.52% | +1,382 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.89% | 0.00% | 0.00% | 0.00% | -68 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.68% | 11.32% | 9.83% | 13.46% | 14.00% | +233 bps | |
| Net Worth / Assets | 11.68% | 11.32% | 9.83% | 13.46% | 14.00% | +233 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.49% | 97.16% | 88.94% | 91.58% | 86.96% | -553 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
McComb, MS · Charter 24859 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
2.49%
Rank 29 of 1,683
Net Interest Margin
7.29%
Rank 11 of 1,683
Efficiency Ratio
29.24%
Rank 6 of 1,682
Equity / Assets
14.00%
Rank 672 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.49% | 0.35% | 0.74% | 1.18% | Beats 98% | 29 / 1,683 | |
| Return on Equity | 17.77% | 2.67% | 5.89% | 8.74% | Beats 99% | 23 / 1,681 | |
| Net Interest Margin | 7.29% | 3.31% | 3.82% | 4.32% | Beats 99% | 11 / 1,683 | |
| Efficiency Ratio | 29.24% | 68.91% | 78.20% | 86.93% | Beats 100% | 6 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 26.53% | 0.26% | 0.65% | 1.29% | Beats 0% | 1,681 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.00% | 10.44% | 12.89% | 16.53% | Beats 60% | 672 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.00% | 10.44% | 12.89% | 16.53% | Beats 60% | 672 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.95% | 52.61% | 69.38% | 83.50% | 81st pctl | 321 / 1,683 | |
| Loans / Assets | 72.42% | 44.71% | 59.18% | 70.72% | 78th pctl | 364 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||