Community Partners
Newton, MS · Charter 24905 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.3MAssets
$2.9MLoans
$4.8MShares
$487KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 31 of 1683).
- Widest gap: return on equity trails 95% of credit unions under $1B in assets (rank 1601 of 1681).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |