McComb
Mc Comb, MS · Charter 4090 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
$5.4MAssets
$3.1MLoans
$4.6MShares
$748KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets (rank 188 of 1677).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets (rank 1661 of 1676).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-1.57%
Rank 1,623 of 1,678
Net Interest Margin
4.85%
Rank 188 of 1,677
Efficiency Ratio
100.00%
Rank 1,535 of 1,675
Equity / Assets
13.95%
Rank 604 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.57% | 0.24% | 0.67% | 1.21% | Beats 3% | 1,623 / 1,678 | |
| Return on Equity | -11.23% | 1.96% | 5.37% | 8.99% | Beats 4% | 1,612 / 1,675 | |
| Net Interest Margin | 4.85% | 3.12% | 3.67% | 4.25% | Beats 89% | 188 / 1,677 | |
| Efficiency Ratio | 100.00% | 68.92% | 78.89% | 88.44% | Beats 9% | 1,535 / 1,675 | |
| Asset Quality |
| Nonperforming Loans / Loans | 9.25% | 0.21% | 0.58% | 1.19% | Beats 1% | 1,661 / 1,676 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.95% | 10.02% | 12.33% | 15.89% | Beats 64% | 605 / 1,678 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.95% | 10.02% | 12.33% | 15.89% | Beats 64% | 604 / 1,677 | |
| Liquidity & Funding |
| Loans / Deposits | 67.88% | 54.28% | 70.33% | 83.29% | 45th pctl | 919 / 1,677 | |
| Loans / Assets | 58.44% | 46.21% | 59.98% | 70.96% | 47th pctl | 889 / 1,677 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |