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
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 | -0.62% | -0.89% | -0.83% | -0.73% | -1.27% | -1.32% | 0.75% | 0.46% | +118 bps | |
| Return on Equity | -2.33% | -3.50% | -3.33% | -2.96% | -4.99% | -5.19% | 2.92% | 1.80% | +476 bps | |
| Net Interest Margin | 1.77% | 1.75% | 1.76% | 1.90% | 2.08% | 2.13% | 3.54% | 2.98% | +108 bps | |
| Efficiency Ratio | 140.48% | 143.00% | 142.66% | 129.45% | 122.96% | 122.87% | 77.15% | 87.62% | -4,183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.60% | -5.66% | 5.41% | 5.94% | -1.52% | -4.86% | -5.79% | -6.03% | -1,197 bps | |
| Loan Growth (YoY) | 16.82% | 2.83% | 10.46% | 4.16% | -13.45% | -10.39% | -19.95% | -23.80% | -2,796 bps | |
| Share Growth (YoY) | -7.70% | 4.57% | 8.92% | 9.79% | 0.17% | -4.58% | -6.25% | -6.88% | -1,667 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.41% | 4.59% | 3.89% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.80% | 0.77% | 0.55% | 1.17% | 1.32% | 1.43% | 1.30% | +74 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.48% | 25.45% | 24.95% | 24.51% | 25.48% | 25.43% | 25.58% | 25.39% | +88 bps | |
| Net Worth / Assets | 26.48% | 25.45% | 24.95% | 24.51% | 25.48% | 25.43% | 25.58% | 25.39% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.26% | 42.89% | 45.56% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||