Greenville, MS · Charter 24893
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 3.44% | 3.16% | 3.06% | 2.76% | +153 bps | |
| Return on Equity | 4.65% | 12.29% | 10.91% | 10.65% | 9.45% | +480 bps | |
| Net Interest Margin | 6.87% | 6.93% | 7.02% | 6.73% | 6.38% | -49 bps | |
| Efficiency Ratio | 57.22% | 55.36% | 59.65% | 59.14% | 61.34% | +413 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | 3.90% | 2.13% | 5.12% | 3.94% | +139 bps | |
| Loan Growth (YoY) | -1.16% | 6.90% | 4.15% | 0.11% | -0.40% | +77 bps | |
| Share Growth (YoY) | 0.83% | 1.17% | -1.45% | 0.70% | -0.04% | -87 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.54% | 1.49% | 1.51% | 1.49% | 1.28% | -126 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.37% | 28.00% | 28.94% | 28.71% | 29.19% | +282 bps | |
| Net Worth / Assets | 26.37% | 28.00% | 28.94% | 28.71% | 29.19% | +282 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |