McComb, MS · Charter 24859
NCUA · 2 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 | 2.90% | 3.12% | 3.72% | 6.56% | 2.90% | 2.32% | 1.88% | 2.49% | -407 bps | |
| Return on Equity | 25.64% | 50.32% | 38.79% | 56.17% | 25.64% | 23.59% | 14.00% | 17.80% | -3,837 bps | |
| Net Interest Margin | 5.00% | 6.40% | 6.37% | 9.92% | 5.00% | 5.72% | 6.75% | 7.29% | -263 bps | |
| Efficiency Ratio | 51.33% | 42.24% | 47.54% | 37.94% | 51.33% | 56.32% | 60.89% | 29.23% | -871 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.41% | 0.32% | 0.78% | 0.75% | 0.00% | 2.77% | -3.15% | -5.92% | -668 bps | |
| Loan Growth (YoY) | 1.23% | -3.30% | -7.42% | -7.95% | 0.00% | -7.15% | -7.09% | -12.14% | -419 bps | |
| Share Growth (YoY) | -2.02% | -4.92% | -4.48% | -5.39% | 0.00% | 2.12% | -5.45% | -6.55% | -116 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.52% | 15.85% | 12.75% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.97% | 0.55% | 0.68% | 0.89% | 0.00% | 0.00% | 0.00% | -68 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.32% | 6.21% | 9.58% | 11.68% | 11.32% | 9.83% | 13.46% | 14.00% | +233 bps | |
| Net Worth / Assets | 11.32% | 6.21% | 9.58% | 11.68% | 11.32% | 9.83% | 13.46% | 14.00% | +233 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.16% | 97.82% | 93.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |