Pearl, MS · Charter 24880
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
41
Profitability
50
Liquidity
0
Efficiency
80
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.
Pearl, MS · Charter 24880
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 | 2.08% | 1.72% | 1.50% | 2.54% | 2.12% | 1.27% | 1.30% | 0.53% | -201 bps | |
| Return on Equity | 8.33% | 6.91% | 5.96% | 9.81% | 7.82% | 4.77% | 4.87% | 2.00% | -781 bps | |
| Net Interest Margin | 5.69% | 5.79% | 5.04% | 5.30% | 5.48% | 5.74% | 5.67% | 5.96% | +66 bps | |
| Efficiency Ratio | 59.82% | 65.56% | 77.78% | 60.66% | 63.06% | 60.20% | 86.05% | 67.14% | +647 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.20% | -12.05% | 5.01% | 5.46% | -1.06% | -2.04% | -1.26% | -1.20% | -666 bps | |
| Loan Growth (YoY) | 1.23% | -2.72% | 3.68% | -0.49% | -0.33% | 5.70% | 1.10% | 1.91% | +240 bps | |
| Share Growth (YoY) | -7.42% | -17.04% | 3.33% | 4.22% | -3.79% | -4.38% | -3.12% | -1.85% | -607 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.06% | 0.30% | 1.82% | 0.72% | 0.66% | 0.81% | 0.84% | -98 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 | 0.14% | 0.16% | 0.13% | 0.12% | 0.15% | 0.56% | 0.13% | 1.16% | +104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.03% | 24.92% | 25.11% | 25.91% | 27.06% | 26.72% | 26.63% | 26.40% | +49 bps | |
| Net Worth / Assets | 25.03% | 24.92% | 25.11% | 25.91% | 27.06% | 26.72% | 26.63% | 26.40% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.00% | 100.32% | 103.63% | 102.82% | 108.78% | 110.90% | 108.14% | 106.75% | +393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pearl, MS · Charter 24880 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.51%
Rank 1,129 of 1,683
Net Interest Margin
5.99%
Rank 42 of 1,683
Efficiency Ratio
66.15%
Rank 331 of 1,682
Equity / Assets
26.40%
Rank 80 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,129 / 1,683 | ||
| Return on Equity | 1.92% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,353 / 1,681 | ||
| Net Interest Margin | 5.99% | 3.31% | 3.82% | 4.32% | Beats 98% | 42 / 1,683 | ||
| Efficiency Ratio | 66.15% | 68.91% | 78.20% | 86.93% | Beats 80% | 331 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.26% | 0.65% | 1.29% | Beats 41% | 986 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.40% | 10.44% | 12.89% | 16.53% | Beats 95% | 80 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.40% | 10.44% | 12.89% | 16.53% | Beats 95% | 80 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 106.76% | 52.61% | 69.38% | 83.50% | 98th pctl | 26 / 1,683 | ||
| Loans / Assets | 78.58% | 44.71% | 59.18% | 70.72% | 89th pctl | 178 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||