CM Members
Columbus, MS · Charter 24881 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$16.5MAssets
$7.3MLoans
$14.1MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 71% of credit unions under $1B in assets (rank 491 of 1683).
- Widest gap: net interest margin trails 78% of credit unions under $1B in assets (rank 1313 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |