Clinton, MS · Charter 24895
NCUA · 1 branch
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
94
Asset Quality
1
Profitability
22
Liquidity
0
Efficiency
25
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.
Clinton, MS · Charter 24895
NCUA · 1 branch
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 | -0.73% | -1.27% | -1.32% | 0.75% | 0.46% | +118 bps | |
| Return on Equity | -2.96% | -4.99% | -5.19% | 2.92% | 1.80% | +476 bps | |
| Net Interest Margin | 1.90% | 2.08% | 2.13% | 3.54% | 2.98% | +108 bps | |
| Efficiency Ratio | 129.45% | 122.96% | 122.87% | 77.15% | 87.62% | -4,183 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.94% | -1.52% | -4.86% | -5.79% | -6.03% | -1,197 bps | |
| Loan Growth (YoY) | 4.16% | -13.45% | -10.39% | -19.95% | -23.80% | -2,796 bps | |
| Share Growth (YoY) | 9.79% | 0.17% | -4.58% | -6.25% | -6.88% | -1,667 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.34% | 2.32% | 3.87% | 7.07% | 7.53% | +319 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 1.17% | 1.32% | 1.43% | 1.30% | +74 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.51% | 25.48% | 25.43% | 25.58% | 25.39% | +88 bps | |
| Net Worth / Assets | 24.51% | 25.48% | 25.43% | 25.58% | 25.39% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.19% | 39.97% | 40.28% | 38.90% | 36.16% | -803 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clinton, MS · Charter 24895 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.49%
Rank 1,151 of 1,683
Net Interest Margin
3.01%
Rank 1,450 of 1,683
Efficiency Ratio
87.10%
Rank 1,269 of 1,682
Equity / Assets
25.38%
Rank 95 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,151 / 1,683 | |
| Return on Equity | 1.92% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,354 / 1,681 | |
| Net Interest Margin | 3.01% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,450 / 1,683 | |
| Efficiency Ratio | 87.10% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,269 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 7.44% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,660 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 25.38% | 10.44% | 12.89% | 16.53% | Beats 94% | 95 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.38% | 10.44% | 12.89% | 16.53% | Beats 94% | 95 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.18% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,545 / 1,683 | |
| Loans / Assets | 26.79% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,581 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||