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 | |