Pearl, MS · Charter 24880
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.54% | 2.12% | 1.27% | 1.30% | 0.53% | -201 bps | |
| Return on Equity | 9.81% | 7.82% | 4.77% | 4.87% | 2.00% | -781 bps | |
| Net Interest Margin | 5.30% | 5.48% | 5.74% | 5.67% | 5.96% | +66 bps | |
| Efficiency Ratio | 60.66% | 63.06% | 60.20% | 86.05% | 67.14% | +647 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.46% | -1.06% | -2.04% | -1.26% | -1.20% | -666 bps | |
| Loan Growth (YoY) | -0.49% | -0.33% | 5.70% | 1.10% | 1.91% | +240 bps | |
| Share Growth (YoY) | 4.22% | -3.79% | -4.38% | -3.12% | -1.85% | -607 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.12% | 0.15% | 0.56% | 0.13% | 1.16% | +104 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.91% | 27.06% | 26.72% | 26.63% | 26.40% | +49 bps | |
| Net Worth / Assets | 25.91% | 27.06% | 26.72% | 26.63% | 26.40% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |