Vicksburg, MS · Charter 24948
NCUA · 12 branches
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 | 1.07% | 0.53% | 0.77% | 1.10% | 1.25% | 1.35% | 1.48% | 1.69% | +59 bps | |
| Return on Equity | 7.98% | 4.16% | 6.16% | 8.54% | 9.48% | 10.01% | 11.19% | 12.58% | +403 bps | |
| Net Interest Margin | 3.58% | 2.76% | 3.72% | 3.90% | 3.96% | 4.00% | 3.95% | 3.98% | +8 bps | |
| Efficiency Ratio | 69.53% | 69.27% | 74.81% | 72.56% | 71.57% | 72.06% | 72.66% | 68.22% | -434 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.37% | 56.16% | 56.95% | 56.67% | 58.38% | 4.90% | 5.98% | 8.53% | -4,814 bps | |
| Loan Growth (YoY) | 0.61% | 53.34% | 54.57% | 64.58% | 77.77% | 15.44% | 14.80% | 11.08% | -5,350 bps | |
| Share Growth (YoY) | 2.42% | 53.19% | 52.98% | 52.24% | 55.25% | 2.66% | 4.70% | 7.06% | -4,518 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.46% | 1.17% | 0.92% | 0.99% | 0.73% | 1.05% | 0.85% | 1.08% | +9 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 | 13.37% | 12.72% | 12.48% | 12.86% | 13.14% | 13.45% | 13.23% | 13.44% | +57 bps | |
| Net Worth / Assets | 13.37% | 12.72% | 12.48% | 12.86% | 13.14% | 13.45% | 13.23% | 13.44% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.15% | 58.84% | 57.66% | 61.77% | 65.44% | 66.17% | 63.22% | 64.09% | +232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |