Ecm
Ridgeland, MS · Charter 24883 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$28.9MAssets
$15.2MLoans
$24.4MShares
$4.3MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 81% of credit unions under $1B in assets (rank 327 of 1682).
- Widest gap: net interest margin trails 63% of credit unions under $1B in assets (rank 1053 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |