Pascagoula, MS · Charter 24908
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
90
Asset Quality
91
Profitability
63
Liquidity
15
Efficiency
41
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.
Pascagoula, MS · Charter 24908
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 | 0.74% | 0.86% | 0.72% | 1.07% | 1.08% | +34 bps | |
| Return on Equity | 3.64% | 4.12% | 3.43% | 5.11% | 4.95% | +131 bps | |
| Net Interest Margin | 4.27% | 4.38% | 4.45% | 4.23% | 4.39% | +12 bps | |
| Efficiency Ratio | 77.03% | 76.20% | 79.57% | 78.77% | 81.12% | +408 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.89% | -2.85% | -2.74% | -3.33% | -2.96% | -7 bps | |
| Loan Growth (YoY) | -2.92% | 3.75% | 1.63% | 1.94% | 2.83% | +575 bps | |
| Share Growth (YoY) | -4.00% | -4.50% | -4.46% | -4.97% | -4.78% | -78 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.05% | 0.94% | 0.99% | 0.22% | 0.03% | -102 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.30% | 20.88% | 21.12% | 20.96% | 21.75% | +145 bps | |
| Net Worth / Assets | 20.30% | 20.88% | 21.12% | 20.96% | 21.75% | +145 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.04% | 88.55% | 86.97% | 86.19% | 88.59% | +656 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pascagoula, MS · Charter 24908 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.07%
Rank 516 of 1,683
Net Interest Margin
4.39%
Rank 382 of 1,683
Efficiency Ratio
81.12%
Rank 987 of 1,682
Equity / Assets
21.75%
Rank 170 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 0.35% | 0.74% | 1.18% | Beats 69% | 516 / 1,683 | |
| Return on Equity | 4.93% | 2.67% | 5.89% | 8.74% | Beats 43% | 964 / 1,681 | |
| Net Interest Margin | 4.39% | 3.31% | 3.82% | 4.32% | Beats 77% | 382 / 1,683 | |
| Efficiency Ratio | 81.12% | 68.91% | 78.20% | 86.93% | Beats 41% | 987 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.26% | 0.65% | 1.29% | Beats 91% | 159 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.75% | 10.44% | 12.89% | 16.53% | Beats 90% | 170 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.75% | 10.44% | 12.89% | 16.53% | Beats 90% | 170 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.59% | 52.61% | 69.38% | 83.50% | 84th pctl | 268 / 1,683 | |
| Loans / Assets | 68.99% | 44.71% | 59.18% | 70.72% | 71st pctl | 482 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||