Mutual
Vicksburg, MS · Charter 24948 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 12 branches
Q2 2026
$528.5MAssets
$294.1MLoans
$458.9MShares
$71.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 94% of credit unions under $1B in assets (rank 106 of 1681).
- Widest gap: nonperforming loans / loans trails 70% of credit unions under $1B in assets (rank 1170 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.69%
Rank 168 of 1,683
Net Interest Margin
3.98%
Rank 686 of 1,683
Efficiency Ratio
68.22%
Rank 403 of 1,682
Equity / Assets
13.44%
Rank 755 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.35% | 0.74% | 1.18% | Beats 90% | 168 / 1,683 | | |
| Return on Equity | 12.58% | 2.67% | 5.89% | 8.74% | Beats 94% | 106 / 1,681 | | |
| Net Interest Margin | 3.98% | 3.31% | 3.82% | 4.32% | Beats 59% | 686 / 1,683 | | |
| Efficiency Ratio | 68.22% | 68.91% | 78.20% | 86.93% | Beats 76% | 403 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,170 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.44% | 10.44% | 12.89% | 16.53% | Beats 55% | 755 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.44% | 10.44% | 12.89% | 16.53% | Beats 55% | 755 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.09% | 52.61% | 69.38% | 83.50% | 41st pctl | 996 / 1,683 | | |
| Loans / Assets | 55.64% | 44.71% | 59.18% | 70.72% | 43rd pctl | 965 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |