Greenville, MS · Charter 24893
NCUA · 2 branches
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
96
Asset Quality
75
Profitability
93
Liquidity
36
Efficiency
88
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.
Greenville, MS · Charter 24893
NCUA · 2 branches
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 | 2.67% | 2.41% | 2.43% | 1.22% | 3.44% | 3.16% | 3.06% | 2.76% | +153 bps | |
| Return on Equity | 10.26% | 9.16% | 9.09% | 4.65% | 12.29% | 10.91% | 10.65% | 9.45% | +480 bps | |
| Net Interest Margin | 6.46% | 6.53% | 6.99% | 6.87% | 6.93% | 7.02% | 6.73% | 6.38% | -49 bps | |
| Efficiency Ratio | 59.22% | 60.71% | 58.05% | 57.22% | 55.36% | 59.65% | 59.14% | 61.34% | +413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.46% | 0.96% | 1.66% | 2.55% | 3.90% | 2.13% | 5.12% | 3.94% | +139 bps | |
| Loan Growth (YoY) | 14.58% | 12.45% | 7.73% | -1.16% | 6.90% | 4.15% | 0.11% | -0.40% | +77 bps | |
| Share Growth (YoY) | -5.14% | -1.81% | -1.40% | 0.83% | 1.17% | -1.45% | 0.70% | -0.04% | -87 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 3.43% | 2.67% | 0.49% | 0.13% | 0.21% | 0.42% | 0.27% | -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 | 1.66% | 1.77% | 2.00% | 2.54% | 1.49% | 1.51% | 1.49% | 1.28% | -126 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.00% | 26.34% | 26.78% | 26.37% | 28.00% | 28.94% | 28.71% | 29.19% | +282 bps | |
| Net Worth / Assets | 26.00% | 26.34% | 26.78% | 26.37% | 28.00% | 28.94% | 28.71% | 29.19% | +282 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.75% | 53.24% | 52.35% | 50.05% | 53.62% | 56.27% | 52.05% | 49.88% | -18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greenville, MS · Charter 24893 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
2.75%
Rank 15 of 1,683
Net Interest Margin
6.39%
Rank 25 of 1,683
Efficiency Ratio
61.22%
Rank 207 of 1,682
Equity / Assets
29.19%
Rank 60 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.75% | 0.35% | 0.74% | 1.18% | Beats 99% | 15 / 1,683 | ||
| Return on Equity | 9.43% | 2.67% | 5.89% | 8.74% | Beats 80% | 334 / 1,681 | ||
| Net Interest Margin | 6.39% | 3.31% | 3.82% | 4.32% | Beats 99% | 25 / 1,683 | ||
| Efficiency Ratio | 61.22% | 68.91% | 78.20% | 86.93% | Beats 88% | 207 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.65% | 1.29% | Beats 75% | 414 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 29.19% | 10.44% | 12.89% | 16.53% | Beats 96% | 60 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 29.19% | 10.44% | 12.89% | 16.53% | Beats 96% | 60 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.88% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,326 / 1,683 | ||
| Loans / Assets | 35.24% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,462 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||