PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Vickswood

Vicksburg, MS · Charter 24876

NCUA · 2 branches

Q2 2026

$11.5MAssets
$5.1MLoans
$8.4MShares
$3.0MNet 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 1.22%, down 23 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY).
  • Capital: net worth / assets of 25.81%, up 167 bps from a year ago.
  • Funding: loans stand at 60.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+6 bps YoY

Efficiency Ratio (YTD, annualized)

75.35%+557 bps YoY

Net Worth / Assets

25.81%+167 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.33%1.40%1.10%1.22%-23 bps
Return on Equity6.00%5.22%5.38%4.32%4.72%-128 bps
Net Interest Margin3.91%4.08%4.12%3.89%3.97%+6 bps
Efficiency Ratio69.78%72.85%72.72%77.07%75.35%+557 bps
Growth
Asset Growth (YoY)0.94%0.40%-2.34%-1.74%-1.24%-218 bps
Loan Growth (YoY)-5.96%-8.26%-7.76%-4.48%1.39%+736 bps
Share Growth (YoY)0.21%-1.74%-5.27%-4.29%-3.56%-377 bps
Asset Quality
Delinquent Loans / Loans0.04%0.00%0.00%0.00%0.00%-4 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 Capital24.14%25.49%25.98%25.49%25.81%+167 bps
Net Worth / Assets24.14%25.49%25.98%25.49%25.81%+167 bps
Liquidity & Funding
Loans / Shares57.59%60.66%60.44%57.26%60.55%+296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps