Jackson, MS · Charter 48
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.12% | 0.23% | -1.09% | -0.11% | -16 bps | |
| Return on Equity | 0.27% | 0.55% | 1.10% | -5.45% | -0.53% | -80 bps | |
| Net Interest Margin | 3.38% | 3.43% | 3.42% | 3.36% | 3.43% | +5 bps | |
| Efficiency Ratio | 83.10% | 82.53% | 81.66% | 108.45% | 91.31% | +821 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.53% | 1.14% | 2.03% | 3.84% | 4.33% | +486 bps | |
| Loan Growth (YoY) | 2.79% | 0.09% | -0.25% | -1.13% | -3.41% | -621 bps | |
| Share Growth (YoY) | -1.28% | 0.58% | 1.53% | 4.15% | 4.84% | +612 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.05% | 21.04% | 20.86% | 20.08% | 20.32% | -73 bps | |
| Net Worth / Assets | 21.05% | 21.04% | 20.86% | 20.08% | 20.32% | -73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |