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 | |