Biloxi, MS · Charter 5561
NCUA · 44 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
77
Asset Quality
26
Profitability
55
Liquidity
89
Efficiency
41
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.
Biloxi, MS · Charter 5561
NCUA · 44 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 | 1.19% | 0.92% | 0.94% | 0.69% | 0.84% | -34 bps | |
| Return on Equity | 8.66% | 7.18% | 7.59% | 5.42% | 6.59% | -207 bps | |
| Net Interest Margin | 3.76% | 3.46% | 3.50% | 3.67% | 3.70% | -5 bps | |
| Efficiency Ratio | 67.13% | 69.77% | 71.28% | 75.43% | 73.99% | +686 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.08% | 22.90% | 22.79% | 21.08% | 21.83% | +1,575 bps | |
| Loan Growth (YoY) | 3.74% | 15.23% | 14.37% | 12.48% | 13.39% | +966 bps | |
| Share Growth (YoY) | 6.67% | 22.52% | 22.28% | 20.38% | 21.10% | +1,444 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.78% | 0.92% | 1.10% | 1.04% | +27 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 | 13.71% | 12.83% | 12.37% | 12.70% | 12.81% | -90 bps | |
| Net Worth / Assets | 13.71% | 12.83% | 12.37% | 12.70% | 12.81% | -90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.02% | 93.45% | 91.32% | 89.08% | 89.91% | -611 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Biloxi, MS · Charter 5561 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 44 branches
Q2 2026
Return on Assets
0.84%
Rank 204 of 435
Net Interest Margin
3.70%
Rank 117 of 435
Efficiency Ratio
73.99%
Rank 258 of 435
Equity / Assets
12.81%
Rank 100 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.55% | 0.81% | 1.14% | Beats 53% | 204 / 435 | |
| Return on Equity | 6.59% | 5.12% | 7.41% | 9.70% | Beats 40% | 261 / 435 | |
| Net Interest Margin | 3.70% | 3.01% | 3.39% | 3.75% | Beats 73% | 117 / 435 | |
| Efficiency Ratio | 73.99% | 65.25% | 71.39% | 77.86% | Beats 41% | 258 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.04% | 0.45% | 0.69% | 1.05% | Beats 26% | 324 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.81% | 9.81% | 10.84% | 12.63% | Beats 77% | 100 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.81% | 9.81% | 10.84% | 12.63% | Beats 77% | 100 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.91% | 78.33% | 88.38% | 95.61% | 55th pctl | 194 / 435 | |
| Loans / Assets | 68.81% | 67.69% | 74.58% | 80.80% | 28th pctl | 313 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||