Newton, MS · Charter 24905
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | 0.10% | -0.48% | -0.73% | -0.55% | -0.04% | -0.74% | -0.58% | +15 bps | |
| Return on Equity | -2.21% | 1.01% | -5.39% | -7.78% | -5.72% | -0.44% | -7.83% | -6.32% | +146 bps | |
| Net Interest Margin | 5.71% | 5.97% | 5.67% | 6.05% | 6.40% | 6.45% | 6.25% | 6.12% | +7 bps | |
| Efficiency Ratio | 97.99% | 94.38% | 106.46% | 106.15% | 101.41% | 99.25% | 100.94% | 101.25% | -490 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.74% | -1.18% | 1.57% | -0.92% | -7.63% | -3.47% | -6.28% | 1.87% | +279 bps | |
| Loan Growth (YoY) | 15.20% | 17.15% | 18.63% | 18.02% | 12.36% | 12.04% | 9.94% | 6.03% | -1,200 bps | |
| Share Growth (YoY) | 6.97% | -1.30% | 2.05% | -0.36% | -7.96% | -3.61% | -6.57% | 2.07% | +243 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.45% | 0.31% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.20% | 1.03% | 1.04% | 1.07% | 0.88% | 0.96% | 0.98% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.06% | 9.65% | 8.91% | 9.39% | 9.65% | 9.96% | 9.41% | 9.24% | -15 bps | |
| Net Worth / Assets | 9.06% | 9.65% | 8.91% | 9.39% | 9.65% | 9.96% | 9.41% | 9.24% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.50% | 57.00% | 52.47% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |