PackageTrendsPeer
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Keesler

Biloxi, MS · Charter 5561

NCUA · 44 branches

Q2 2026

$5.3BAssets
$3.6BLoans
$4.1BShares
$679.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.84%, down 34 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 1.04% of loans (+27 bps YoY).
  • Capital: net worth / assets of 12.81%, down 90 bps from a year ago.
  • Funding: loans stand at 89.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-5 bps YoY

Efficiency Ratio (YTD, annualized)

73.99%+686 bps YoY

Net Worth / Assets

12.81%-90 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%0.92%0.94%0.69%0.84%-34 bps
Return on Equity8.66%7.18%7.59%5.42%6.59%-207 bps
Net Interest Margin3.76%3.46%3.50%3.67%3.70%-5 bps
Efficiency Ratio67.13%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 / Loans0.76%0.78%0.92%1.10%1.04%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.71%12.83%12.37%12.70%12.81%-90 bps
Net Worth / Assets13.71%12.83%12.37%12.70%12.81%-90 bps
Liquidity & Funding
Loans / Shares96.02%93.45%91.32%89.08%89.91%-611 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps