Pearl, MS · Charter 473
NCUA · 1 branch
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 | 0.76% | 0.64% | 0.43% | 0.48% | 0.76% | 0.69% | 0.68% | 0.70% | +22 bps | |
| Return on Equity | 4.08% | 3.36% | 2.31% | 2.50% | 3.90% | 3.62% | 3.58% | 3.64% | +114 bps | |
| Net Interest Margin | 2.12% | 2.18% | 2.28% | 2.42% | 2.51% | 2.51% | 2.70% | 2.76% | +34 bps | |
| Efficiency Ratio | 69.78% | 71.62% | 70.50% | 71.52% | 68.97% | 68.50% | 62.75% | 64.66% | -686 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.24% | -3.34% | -1.42% | -0.86% | -0.77% | 2.67% | 2.82% | 3.46% | +433 bps | |
| Loan Growth (YoY) | 1.06% | -0.54% | -2.62% | -3.69% | -3.52% | -5.71% | -3.89% | -4.60% | -91 bps | |
| Share Growth (YoY) | -3.35% | -4.15% | -2.78% | -2.80% | -2.15% | 0.78% | 1.73% | 3.20% | +600 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.61% | 0.27% | 0.40% | 0.51% | 0.56% | 0.56% | 0.60% | +20 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 | 18.65% | 18.96% | 18.82% | 19.11% | 19.40% | 19.15% | 19.05% | 19.27% | +15 bps | |
| Net Worth / Assets | 18.65% | 18.96% | 18.82% | 19.11% | 19.40% | 19.15% | 19.05% | 19.27% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.44% | 65.79% | 64.21% | 64.96% | 64.52% | 61.55% | 60.66% | 60.05% | -491 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |