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 | |