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Pascagoula, MS · Charter 24954 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
$406.7MAssets
$278.4MLoans
$327.7MShares
$73.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets (rank 126 of 1683).
- Widest gap: efficiency ratio trails 34% of credit unions under $1B in assets (rank 572 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 | 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 |