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Pascagoula, MS · Charter 24954

NCUA · 13 branches

Q2 2026

$406.7MAssets
$278.4MLoans
$327.7MShares
$73.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.65%, down 50 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 0.38% of loans (-8 bps YoY).
  • Capital: net worth / assets of 17.98%, up 134 bps from a year ago.
  • Funding: loans stand at 84.98% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.65%-50 bps YoY

Net Interest Margin (quarter, annualized)

5.10%-52 bps YoY

Efficiency Ratio (quarter, annualized)

72.64%+708 bps YoY

Net Worth / Assets

17.98%+134 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.16%2.05%2.53%1.65%1.65%-50 bps
Return on Equity12.96%11.84%13.92%9.19%9.20%-375 bps
Net Interest Margin5.63%5.52%5.49%5.13%5.10%-52 bps
Efficiency Ratio65.56%67.22%63.72%74.67%72.64%+708 bps
Growth
Asset Growth (YoY)-1.72%-6.71%-3.66%-0.42%4.57%+629 bps
Loan Growth (YoY)0.22%0.44%-0.86%-2.52%0.63%+41 bps
Share Growth (YoY)-3.80%-6.32%-5.60%-3.14%2.89%+669 bps
Asset Quality
Delinquent Loans / Loans0.46%0.58%0.70%0.52%0.38%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.64%17.29%18.19%17.90%17.98%+134 bps
Net Worth / Assets16.64%17.29%18.19%17.90%17.98%+134 bps
Liquidity & Funding
Loans / Shares86.88%89.26%88.84%83.66%84.98%-191 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps