Jackson, MS · Charter 24952
NCUA · 3 branches
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 | 1.05% | 1.04% | 1.10% | 0.71% | 0.73% | -32 bps | |
| Return on Equity | 5.08% | 4.86% | 5.13% | 3.39% | 3.43% | -164 bps | |
| Net Interest Margin | 4.22% | 4.35% | 4.29% | 4.00% | 4.04% | -18 bps | |
| Efficiency Ratio | 82.37% | 82.74% | 81.24% | 84.24% | 85.80% | +343 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.11% | 4.55% | 5.72% | 3.30% | 2.03% | -408 bps | |
| Loan Growth (YoY) | -2.79% | 2.69% | 3.03% | 5.01% | 2.06% | +485 bps | |
| Share Growth (YoY) | 6.41% | 5.54% | 5.88% | 3.15% | 2.16% | -425 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.21% | 0.30% | 0.13% | 0.37% | +16 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 | 20.75% | 21.36% | 21.35% | 21.03% | 21.21% | +47 bps | |
| Net Worth / Assets | 20.75% | 21.36% | 21.35% | 21.03% | 21.21% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.27% | 60.88% | 59.04% | 57.76% | 58.21% | -6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |