Biloxi, MS · Charter 24885
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 | 0.29% | 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 | |