Jackson, MS · Charter 48
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
26
Profitability
26
Liquidity
8
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jackson, MS · Charter 48
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.26% | -0.09% | 0.06% | 0.12% | 0.23% | -1.09% | -0.11% | -16 bps | |
| Return on Equity | 1.50% | 1.25% | -0.44% | 0.27% | 0.55% | 1.10% | -5.45% | -0.53% | -80 bps | |
| Net Interest Margin | 3.13% | 3.17% | 3.28% | 3.38% | 3.43% | 3.42% | 3.36% | 3.43% | +5 bps | |
| Efficiency Ratio | 85.91% | 85.95% | 86.74% | 83.10% | 82.53% | 81.66% | 108.45% | 91.31% | +821 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.82% | -1.68% | -1.34% | -0.53% | 1.14% | 2.03% | 3.84% | 4.33% | +486 bps | |
| Loan Growth (YoY) | 3.26% | 4.52% | 3.95% | 2.79% | 0.09% | -0.25% | -1.13% | -3.41% | -621 bps | |
| Share Growth (YoY) | -3.83% | -2.20% | -1.82% | -1.28% | 0.58% | 1.53% | 4.15% | 4.84% | +612 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.91% | 1.53% | 1.55% | 1.19% | 1.36% | 1.07% | 0.74% | 1.13% | -6 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 | 21.16% | 21.05% | 20.88% | 21.05% | 21.04% | 20.86% | 20.08% | 20.32% | -73 bps | |
| Net Worth / Assets | 21.16% | 21.05% | 20.88% | 21.05% | 21.04% | 20.86% | 20.08% | 20.32% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.65% | 44.72% | 44.28% | 44.92% | 44.44% | 43.93% | 42.03% | 41.38% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jackson, MS · Charter 48 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.11%
Rank 15 of 19
Net Interest Margin
3.43%
Rank 12 of 19
Efficiency Ratio
91.36%
Rank 15 of 19
Equity / Assets
20.32%
Rank 3 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.11% | -0.11% | 0.66% | 1.27% | Beats 21% | 15 / 19 | ||
| Return on Equity | -0.53% | -0.53% | 4.88% | 8.56% | Beats 21% | 15 / 19 | ||
| Net Interest Margin | 3.43% | 3.04% | 3.58% | 4.03% | Beats 37% | 12 / 19 | ||
| Efficiency Ratio | 91.36% | 67.29% | 83.22% | 91.36% | Beats 26% | 15 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.13% | 0.10% | 0.50% | 1.13% | Beats 26% | 15 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.32% | 10.58% | 12.87% | 17.85% | Beats 84% | 3 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.32% | 10.58% | 12.87% | 17.85% | Beats 84% | 3 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.38% | 41.38% | 66.89% | 77.97% | 21st pctl | 15 / 19 | ||
| Loans / Assets | 33.12% | 33.12% | 56.90% | 65.75% | 21st pctl | 15 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||