PackageTrendsPeer
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CM Members

Columbus, MS · Charter 24881

NCUA · 1 branch

Q2 2026

$16.5MAssets
$7.3MLoans
$14.1MShares
$2.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.68%, down 37 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.51% of loans (+21 bps YoY).
  • Capital: net worth / assets of 15.56%, down 51 bps from a year ago.
  • Funding: loans stand at 52.01% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.68%-37 bps YoY

Net Interest Margin (quarter, annualized)

3.24%-30 bps YoY

Efficiency Ratio (quarter, annualized)

84.83%+433 bps YoY

Net Worth / Assets

15.56%-51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.04%0.44%0.88%0.68%-37 bps
Return on Equity6.55%6.41%2.81%5.67%4.39%-216 bps
Net Interest Margin3.54%3.54%3.40%3.27%3.24%-30 bps
Efficiency Ratio80.49%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 / Loans0.30%0.36%0.21%0.56%0.51%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.07%16.26%15.79%15.54%15.56%-51 bps
Net Worth / Assets16.07%16.26%15.79%15.54%15.56%-51 bps
Liquidity & Funding
Loans / Shares60.53%62.05%58.67%54.07%52.01%-852 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps