Columbus, MS · Charter 24881
NCUA · 1 branch
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
71
Asset Quality
58
Profitability
35
Liquidity
43
Efficiency
30
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.
Columbus, MS · Charter 24881
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 1.04% | 0.44% | 0.88% | 0.68% | -37 bps | |
| Return on Equity | 6.55% | 6.41% | 2.81% | 5.67% | 4.39% | -216 bps | |
| Net Interest Margin | 3.54% | 3.54% | 3.40% | 3.27% | 3.24% | -30 bps | |
| Efficiency Ratio | 80.49% | 78.37% | 92.90% | 84.22% | 84.83% | +433 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.59% | 9.64% | 8.72% | 7.79% | 4.30% | -629 bps | |
| Loan Growth (YoY) | -3.81% | 0.17% | -6.76% | -7.27% | -9.84% | -602 bps | |
| Share Growth (YoY) | 12.76% | 11.74% | 9.76% | 10.23% | 4.93% | -783 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.36% | 0.21% | 0.56% | 0.51% | +21 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.07% | 16.26% | 15.79% | 15.54% | 15.56% | -51 bps | |
| Net Worth / Assets | 16.07% | 16.26% | 15.79% | 15.54% | 15.56% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.53% | 62.05% | 58.67% | 54.07% | 52.01% | -852 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Columbus, MS · Charter 24881 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.68%
Rank 913 of 1,683
Net Interest Margin
3.24%
Rank 1,313 of 1,683
Efficiency Ratio
84.62%
Rank 1,171 of 1,682
Equity / Assets
15.56%
Rank 491 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.35% | 0.74% | 1.18% | Beats 46% | 913 / 1,683 | |
| Return on Equity | 4.37% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,039 / 1,681 | |
| Net Interest Margin | 3.24% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,313 / 1,683 | |
| Efficiency Ratio | 84.62% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,171 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.52% | 0.26% | 0.65% | 1.29% | Beats 58% | 710 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.56% | 10.44% | 12.89% | 16.53% | Beats 71% | 491 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.56% | 10.44% | 12.89% | 16.53% | Beats 71% | 491 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.01% | 52.61% | 69.38% | 83.50% | 24th pctl | 1,279 / 1,683 | |
| Loans / Assets | 44.38% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,272 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||