Ridgeland, MS · Charter 24883
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
66
Asset Quality
50
Profitability
62
Liquidity
76
Efficiency
81
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.
Ridgeland, MS · Charter 24883
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.47% | 1.03% | 1.75% | 1.63% | 1.50% | 0.90% | 1.22% | -53 bps | |
| Return on Equity | 11.13% | 10.99% | 7.61% | 12.29% | 11.27% | 10.34% | 6.28% | 8.21% | -408 bps | |
| Net Interest Margin | 3.34% | 3.34% | 3.58% | 3.66% | 3.72% | 3.66% | 3.46% | 3.58% | -8 bps | |
| Efficiency Ratio | 61.13% | 59.78% | 59.80% | 56.51% | 60.05% | 60.79% | 69.90% | 66.10% | +958 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.74% | -0.88% | -1.04% | -0.58% | 1.35% | 2.31% | 4.02% | 4.26% | +484 bps | |
| Loan Growth (YoY) | 4.63% | 4.10% | 5.20% | -1.30% | -3.51% | -4.38% | -7.65% | -3.47% | -217 bps | |
| Share Growth (YoY) | -0.76% | -2.73% | -2.87% | -2.54% | -0.38% | 0.84% | 3.00% | 3.38% | +592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.21% | 0.29% | 0.30% | 0.51% | 0.28% | 0.64% | 0.66% | +36 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 | 13.09% | 13.36% | 13.57% | 14.23% | 14.49% | 14.54% | 14.32% | 14.87% | +64 bps | |
| Net Worth / Assets | 13.09% | 13.36% | 13.57% | 14.23% | 14.49% | 14.54% | 14.32% | 14.87% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.47% | 66.16% | 66.05% | 66.54% | 65.35% | 62.73% | 59.22% | 62.13% | -441 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ridgeland, MS · Charter 24883 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.22%
Rank 389 of 1,683
Net Interest Margin
3.58%
Rank 1,053 of 1,683
Efficiency Ratio
65.98%
Rank 327 of 1,682
Equity / Assets
14.87%
Rank 564 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.35% | 0.74% | 1.18% | Beats 77% | 389 / 1,683 | ||
| Return on Equity | 8.20% | 2.67% | 5.89% | 8.74% | Beats 71% | 487 / 1,681 | ||
| Net Interest Margin | 3.58% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,053 / 1,683 | ||
| Efficiency Ratio | 65.98% | 68.91% | 78.20% | 86.93% | Beats 81% | 327 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.26% | 0.65% | 1.29% | Beats 50% | 840 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.87% | 10.44% | 12.89% | 16.53% | Beats 66% | 564 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.87% | 10.44% | 12.89% | 16.53% | Beats 66% | 564 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.13% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,047 / 1,683 | ||
| Loans / Assets | 52.52% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,040 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||