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 | |