Columbus, MS · Charter 24881
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.53% | 1.21% | 1.05% | 1.04% | 0.44% | 0.88% | 0.68% | -37 bps | |
| Return on Equity | 3.66% | 3.15% | 7.36% | 6.55% | 6.41% | 2.81% | 5.67% | 4.39% | -216 bps | |
| Net Interest Margin | 3.80% | 3.71% | 3.72% | 3.54% | 3.54% | 3.40% | 3.27% | 3.24% | -30 bps | |
| Efficiency Ratio | 74.55% | 79.75% | 79.94% | 80.49% | 78.37% | 92.90% | 84.22% | 84.83% | +433 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.85% | 1.09% | 5.23% | 10.59% | 9.64% | 8.72% | 7.79% | 4.30% | -629 bps | |
| Loan Growth (YoY) | 9.43% | 3.83% | -1.69% | -3.81% | 0.17% | -6.76% | -7.27% | -9.84% | -602 bps | |
| Share Growth (YoY) | 3.14% | 0.64% | 5.15% | 12.76% | 11.74% | 9.76% | 10.23% | 4.93% | -783 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.35% | 0.48% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.04% | 16.82% | 16.48% | 16.07% | 16.26% | 15.79% | 15.54% | 15.56% | -51 bps | |
| Net Worth / Assets | 17.04% | 16.82% | 16.48% | 16.07% | 16.26% | 15.79% | 15.54% | 15.56% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.22% | 69.06% | 64.28% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |