Pascagoula, MS · Charter 24954
NCUA · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
67
Profitability
87
Liquidity
31
Efficiency
66
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pascagoula, MS · Charter 24954
NCUA · 13 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.66% | 2.07% | 2.16% | 2.05% | 2.53% | 1.65% | 1.65% | -50 bps | |
| Return on Equity | 3.93% | 4.37% | 13.26% | 12.96% | 11.84% | 13.92% | 9.19% | 9.20% | -375 bps | |
| Net Interest Margin | 4.44% | 4.64% | 5.68% | 5.63% | 5.52% | 5.49% | 5.13% | 5.10% | -52 bps | |
| Efficiency Ratio | 77.53% | 75.87% | 64.46% | 65.56% | 67.22% | 63.72% | 74.67% | 72.64% | +708 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 5.84% | 0.74% | -1.72% | -6.71% | -3.66% | -0.42% | 4.57% | +629 bps | |
| Loan Growth (YoY) | n/a | 3.41% | 1.79% | 0.22% | 0.44% | -0.86% | -2.52% | 0.63% | +41 bps | |
| Share Growth (YoY) | n/a | 4.34% | -0.38% | -3.80% | -6.32% | -5.60% | -3.14% | 2.89% | +669 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.66% | 0.51% | 0.46% | 0.58% | 0.70% | 0.52% | 0.38% | -8 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 | 14.59% | 15.20% | 15.63% | 16.64% | 17.29% | 18.19% | 17.90% | 17.98% | +134 bps | |
| Net Worth / Assets | 14.59% | 15.20% | 15.63% | 16.64% | 17.29% | 18.19% | 17.90% | 17.98% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.25% | 84.60% | 83.13% | 86.88% | 89.26% | 88.84% | 83.66% | 84.98% | -191 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pascagoula, MS · Charter 24954 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
Return on Assets
1.65%
Rank 181 of 1,683
Net Interest Margin
5.10%
Rank 126 of 1,683
Efficiency Ratio
72.64%
Rank 572 of 1,682
Equity / Assets
17.98%
Rank 333 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.65% | 0.35% | 0.74% | 1.18% | Beats 89% | 181 / 1,683 | ||
| Return on Equity | 9.20% | 2.67% | 5.89% | 8.74% | Beats 78% | 366 / 1,681 | ||
| Net Interest Margin | 5.10% | 3.31% | 3.82% | 4.32% | Beats 93% | 126 / 1,683 | ||
| Efficiency Ratio | 72.64% | 68.91% | 78.20% | 86.93% | Beats 66% | 572 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.38% | 0.26% | 0.65% | 1.29% | Beats 67% | 553 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.98% | 10.44% | 12.89% | 16.53% | Beats 80% | 333 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.98% | 10.44% | 12.89% | 16.53% | Beats 80% | 333 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.98% | 52.61% | 69.38% | 83.50% | 78th pctl | 374 / 1,683 | ||
| Loans / Assets | 68.46% | 44.71% | 59.18% | 70.72% | 70th pctl | 500 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||