Natchez, MS · Charter 24896
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
100
Asset Quality
15
Profitability
37
Liquidity
36
Efficiency
15
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.
Natchez, MS · Charter 24896
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 | 2.20% | 2.78% | 1.96% | 0.55% | 0.83% | 0.89% | 0.45% | -0.85% | -141 bps | |
| Return on Equity | 4.49% | 5.58% | 3.86% | 1.08% | 1.67% | 1.81% | 0.91% | -1.69% | -277 bps | |
| Net Interest Margin | 7.38% | 7.71% | 7.84% | 6.72% | 6.76% | 6.70% | 6.23% | 6.77% | +5 bps | |
| Efficiency Ratio | 72.49% | 67.25% | 73.60% | 86.60% | 85.20% | 83.67% | 90.48% | 91.28% | +469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.13% | 1.97% | 2.12% | -0.11% | -0.04% | 0.80% | 2.33% | 1.43% | +154 bps | |
| Loan Growth (YoY) | -5.21% | -4.66% | -2.97% | -7.15% | 7.58% | -4.78% | -1.76% | -1.89% | +527 bps | |
| Share Growth (YoY) | -1.08% | -1.14% | 1.75% | -1.18% | -1.83% | 0.87% | 3.87% | 2.47% | +365 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.47% | 0.27% | 0.25% | 0.68% | 0.66% | 0.80% | 1.78% | +153 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 | 0.30% | 0.30% | 0.23% | 0.35% | 0.32% | 0.39% | 0.51% | 0.72% | +37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 49.11% | 49.73% | 50.65% | 51.13% | 50.01% | 49.29% | 49.75% | 50.56% | -57 bps | |
| Net Worth / Assets | 49.11% | 49.73% | 50.65% | 51.13% | 50.01% | 49.29% | 49.75% | 50.56% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.29% | 86.41% | 71.13% | 87.54% | 87.98% | 81.57% | 67.27% | 83.82% | -372 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Natchez, MS · Charter 24896 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.92%
Rank 1,608 of 1,683
Net Interest Margin
6.73%
Rank 16 of 1,683
Efficiency Ratio
91.84%
Rank 1,434 of 1,682
Equity / Assets
50.57%
Rank 6 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.92% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,608 / 1,683 | ||
| Return on Equity | -1.82% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,547 / 1,681 | ||
| Net Interest Margin | 6.73% | 3.31% | 3.82% | 4.32% | Beats 99% | 16 / 1,683 | ||
| Efficiency Ratio | 91.84% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,434 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.87% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,423 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 50.57% | 10.44% | 12.89% | 16.53% | Beats 100% | 6 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 50.57% | 10.44% | 12.89% | 16.53% | Beats 100% | 6 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.88% | 52.61% | 69.38% | 83.50% | 76th pctl | 409 / 1,683 | ||
| Loans / Assets | 41.01% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,336 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||