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Gulf Trust

Pascagoula, MS · Charter 24908

NCUA · 1 branch

Q2 2026

$25.5MAssets
$17.6MLoans
$19.9MShares
$5.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.08%, up 34 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.03% of loans (-102 bps YoY).
  • Capital: net worth / assets of 21.75%, up 145 bps from a year ago.
  • Funding: loans stand at 88.59% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.08%+34 bps YoY

Net Interest Margin (quarter, annualized)

4.39%+12 bps YoY

Efficiency Ratio (quarter, annualized)

81.12%+408 bps YoY

Net Worth / Assets

21.75%+145 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.86%0.72%1.07%1.08%+34 bps
Return on Equity3.64%4.12%3.43%5.11%4.95%+131 bps
Net Interest Margin4.27%4.38%4.45%4.23%4.39%+12 bps
Efficiency Ratio77.03%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 / Loans1.05%0.94%0.99%0.22%0.03%-102 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.30%20.88%21.12%20.96%21.75%+145 bps
Net Worth / Assets20.30%20.88%21.12%20.96%21.75%+145 bps
Liquidity & Funding
Loans / Shares82.04%88.55%86.97%86.19%88.59%+656 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps