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 | |