Biloxi, MS · Charter 24885
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
81
Asset Quality
49
Profitability
64
Liquidity
26
Efficiency
33
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.
Biloxi, MS · Charter 24885
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 | 0.29% | 0.26% | 0.60% | 0.50% | 0.55% | 0.59% | 0.57% | 0.87% | +37 bps | |
| Return on Equity | 1.54% | 1.38% | 3.36% | 2.81% | 3.04% | 3.25% | 3.10% | 4.80% | +199 bps | |
| Net Interest Margin | 4.90% | 4.87% | 5.03% | 5.08% | 5.20% | 5.14% | 5.18% | 5.21% | +13 bps | |
| Efficiency Ratio | 86.39% | 87.96% | 89.24% | 91.04% | 89.00% | 87.42% | 84.99% | 83.70% | -733 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.18% | 4.38% | 7.07% | 7.51% | 5.76% | 5.61% | -0.36% | 2.24% | -527 bps | |
| Loan Growth (YoY) | -0.53% | 4.02% | 4.40% | -0.31% | 7.57% | 6.10% | 9.37% | 12.76% | +1,307 bps | |
| Share Growth (YoY) | 2.60% | 5.04% | 8.56% | 8.61% | 6.38% | 6.17% | -1.55% | 1.91% | -670 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 0.65% | 0.84% | 0.95% | 1.34% | 0.48% | 0.47% | 0.68% | -26 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 | 18.61% | 18.48% | 17.80% | 17.83% | 18.04% | 18.09% | 18.45% | 18.21% | +38 bps | |
| Net Worth / Assets | 18.61% | 18.48% | 17.80% | 17.83% | 18.04% | 18.09% | 18.45% | 18.21% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.12% | 85.34% | 78.73% | 77.90% | 83.04% | 85.29% | 87.45% | 86.19% | +829 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Biloxi, MS · Charter 24885 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.87%
Rank 718 of 1,683
Net Interest Margin
5.21%
Rank 111 of 1,683
Efficiency Ratio
83.84%
Rank 1,130 of 1,682
Equity / Assets
18.21%
Rank 321 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 57% | 718 / 1,683 | ||
| Return on Equity | 4.77% | 2.67% | 5.89% | 8.74% | Beats 42% | 978 / 1,681 | ||
| Net Interest Margin | 5.21% | 3.31% | 3.82% | 4.32% | Beats 93% | 111 / 1,683 | ||
| Efficiency Ratio | 83.84% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,130 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.26% | 0.65% | 1.29% | Beats 49% | 862 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.21% | 10.44% | 12.89% | 16.53% | Beats 81% | 321 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.21% | 10.44% | 12.89% | 16.53% | Beats 81% | 321 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.20% | 52.61% | 69.38% | 83.50% | 80th pctl | 340 / 1,683 | ||
| Loans / Assets | 69.97% | 44.71% | 59.18% | 70.72% | 74th pctl | 444 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||