Vicksburg, MS · Charter 24892
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 | 0.48% | 0.54% | 0.46% | 0.48% | 0.44% | 0.48% | 0.23% | 0.26% | -23 bps | |
| Return on Equity | 1.51% | 1.67% | 1.41% | 1.49% | 1.35% | 1.49% | 0.72% | 0.78% | -71 bps | |
| Net Interest Margin | 4.16% | 4.23% | 4.27% | 4.25% | 4.22% | 4.24% | 4.19% | 4.27% | +2 bps | |
| Efficiency Ratio | 89.81% | 88.10% | 84.63% | 86.53% | 87.38% | 87.12% | 95.69% | 92.98% | +645 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.71% | 5.95% | 6.57% | 6.52% | -1.16% | 1.02% | 0.88% | 0.16% | -636 bps | |
| Loan Growth (YoY) | 0.67% | -0.35% | -4.35% | -7.61% | -5.47% | -0.36% | 0.80% | -2.58% | +502 bps | |
| Share Growth (YoY) | 9.04% | 8.02% | 9.03% | 8.90% | -2.43% | 0.82% | 0.68% | -0.27% | -917 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.52% | 1.22% | 0.30% | 0.02% | 0.00% | 0.00% | 0.52% | +22 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 | 31.46% | 32.09% | 32.22% | 32.51% | 32.33% | 32.25% | 32.37% | 32.83% | +32 bps | |
| Net Worth / Assets | 31.46% | 32.09% | 32.22% | 32.51% | 32.33% | 32.25% | 32.37% | 32.83% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.04% | 95.56% | 92.70% | 91.78% | 92.08% | 94.44% | 92.81% | 89.65% | -213 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |