Pascagoula, MS · Charter 24954
NCUA · 13 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 | 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 | |