Pascagoula, MS · Charter 24908
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 | 1.20% | 0.93% | 1.46% | 0.74% | 0.86% | 0.72% | 1.07% | 1.08% | +34 bps | |
| Return on Equity | 6.07% | 4.66% | 7.38% | 3.64% | 4.12% | 3.43% | 5.11% | 4.95% | +131 bps | |
| Net Interest Margin | 4.35% | 4.37% | 4.08% | 4.27% | 4.38% | 4.45% | 4.23% | 4.39% | +12 bps | |
| Efficiency Ratio | 70.78% | 72.46% | 73.92% | 77.03% | 76.20% | 79.57% | 78.77% | 81.12% | +408 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.17% | 0.44% | -2.30% | -2.89% | -2.85% | -2.74% | -3.33% | -2.96% | -7 bps | |
| Loan Growth (YoY) | -3.33% | -3.20% | -1.08% | -2.92% | 3.75% | 1.63% | 1.94% | 2.83% | +575 bps | |
| Share Growth (YoY) | -2.59% | -0.19% | -3.51% | -4.00% | -4.50% | -4.46% | -4.97% | -4.78% | -78 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 1.67% | 1.85% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.70% | 19.89% | 19.73% | 20.30% | 20.88% | 21.12% | 20.96% | 21.75% | +145 bps | |
| Net Worth / Assets | 19.70% | 19.89% | 19.73% | 20.30% | 20.88% | 21.12% | 20.96% | 21.75% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.51% | 81.76% | 80.34% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |