Newton, MS · Charter 24905
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
12
Asset Quality
76
Profitability
36
Liquidity
70
Efficiency
7
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.
Newton, MS · Charter 24905
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% | -0.55% | -0.04% | -0.74% | -0.58% | +15 bps | |
| Return on Equity | -7.78% | -5.72% | -0.44% | -7.83% | -6.32% | +146 bps | |
| Net Interest Margin | 6.05% | 6.40% | 6.45% | 6.25% | 6.12% | +7 bps | |
| Efficiency Ratio | 106.15% | 101.41% | 99.25% | 100.94% | 101.25% | -490 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.92% | -7.63% | -3.47% | -6.28% | 1.87% | +279 bps | |
| Loan Growth (YoY) | 18.02% | 12.36% | 12.04% | 9.94% | 6.03% | -1,200 bps | |
| Share Growth (YoY) | -0.36% | -7.96% | -3.61% | -6.57% | 2.07% | +243 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.13% | 0.32% | 0.22% | 0.25% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.04% | 1.07% | 0.88% | 0.96% | 0.98% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.39% | 9.65% | 9.96% | 9.41% | 9.24% | -15 bps | |
| Net Worth / Assets | 9.39% | 9.65% | 9.96% | 9.41% | 9.24% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.82% | 62.86% | 66.26% | 61.74% | 60.06% | +224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newton, MS · Charter 24905 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.57%
Rank 1,580 of 1,683
Net Interest Margin
6.15%
Rank 31 of 1,683
Efficiency Ratio
101.20%
Rank 1,569 of 1,682
Equity / Assets
9.24%
Rank 1,478 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.57% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,580 / 1,683 | |
| Return on Equity | -6.16% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,601 / 1,681 | |
| Net Interest Margin | 6.15% | 3.31% | 3.82% | 4.32% | Beats 98% | 31 / 1,683 | |
| Efficiency Ratio | 101.20% | 68.91% | 78.20% | 86.93% | Beats 7% | 1,569 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.26% | 0.65% | 1.29% | Beats 76% | 400 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.24% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,478 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.24% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,478 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.06% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,102 / 1,683 | |
| Loans / Assets | 54.17% | 44.71% | 59.18% | 70.72% | 41st pctl | 992 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||