Vicksburg, MS · Charter 24876
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
95
Asset Quality
100
Profitability
59
Liquidity
71
Efficiency
59
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.
Vicksburg, MS · Charter 24876
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 | 0.89% | 1.09% | 1.02% | 1.45% | 1.33% | 1.40% | 1.10% | 1.22% | -23 bps | |
| Return on Equity | 3.70% | 4.56% | 4.32% | 6.00% | 5.22% | 5.38% | 4.32% | 4.72% | -128 bps | |
| Net Interest Margin | 3.64% | 3.67% | 3.82% | 3.91% | 4.08% | 4.12% | 3.89% | 3.97% | +6 bps | |
| Efficiency Ratio | 80.45% | 76.41% | 78.09% | 69.78% | 72.85% | 72.72% | 77.07% | 75.35% | +557 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | -1.14% | 1.26% | 0.94% | 0.40% | -2.34% | -1.74% | -1.24% | -218 bps | |
| Loan Growth (YoY) | 8.11% | 3.13% | -5.06% | -5.96% | -8.26% | -7.76% | -4.48% | 1.39% | +736 bps | |
| Share Growth (YoY) | -4.04% | -2.25% | 3.70% | 0.21% | -1.74% | -5.27% | -4.29% | -3.56% | -377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.12% | 0.23% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | -4 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 | 24.07% | 23.98% | 23.68% | 24.14% | 25.49% | 25.98% | 25.49% | 25.81% | +167 bps | |
| Net Worth / Assets | 24.07% | 23.98% | 23.68% | 24.14% | 25.49% | 25.98% | 25.49% | 25.81% | +167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.96% | 62.07% | 57.37% | 57.59% | 60.66% | 60.44% | 57.26% | 60.55% | +296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Vicksburg, MS · Charter 24876 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.22%
Rank 387 of 1,683
Net Interest Margin
3.97%
Rank 689 of 1,683
Efficiency Ratio
75.35%
Rank 692 of 1,682
Equity / Assets
25.81%
Rank 89 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.35% | 0.74% | 1.18% | Beats 77% | 387 / 1,683 | ||
| Return on Equity | 4.73% | 2.67% | 5.89% | 8.74% | Beats 42% | 983 / 1,681 | ||
| Net Interest Margin | 3.97% | 3.31% | 3.82% | 4.32% | Beats 59% | 689 / 1,683 | ||
| Efficiency Ratio | 75.35% | 68.91% | 78.20% | 86.93% | Beats 59% | 692 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.81% | 10.44% | 12.89% | 16.53% | Beats 95% | 89 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.81% | 10.44% | 12.89% | 16.53% | Beats 95% | 89 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.55% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,086 / 1,683 | ||
| Loans / Assets | 44.54% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,268 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||