Jackson, MS · Charter 5780
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
4
Profitability
7
Liquidity
0
Efficiency
6
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 5780
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 | -0.55% | -0.50% | -0.14% | 0.10% | -0.04% | +50 bps | |
| Return on Equity | -5.90% | -5.19% | -1.50% | 1.05% | -0.45% | +545 bps | |
| Net Interest Margin | 0.68% | 0.75% | 1.08% | 1.35% | 1.29% | +61 bps | |
| Efficiency Ratio | 179.17% | 164.26% | 112.76% | 92.45% | 102.95% | -7,622 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.06% | -7.01% | -5.96% | -3.17% | -4.45% | -339 bps | |
| Loan Growth (YoY) | -6.07% | -5.22% | 0.48% | -6.48% | -8.40% | -233 bps | |
| Share Growth (YoY) | 0.12% | -7.34% | -6.41% | -3.54% | -4.98% | -511 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.75% | 3.25% | 10.18% | 4.40% | 4.57% | +82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.29% | 1.23% | 1.34% | 0.96% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.27% | 9.54% | 9.59% | 9.47% | 9.82% | +55 bps | |
| Net Worth / Assets | 9.27% | 9.54% | 9.59% | 9.47% | 9.82% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.52% | 24.01% | 24.95% | 22.63% | 21.71% | -81 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jackson, MS · Charter 5780 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.04%
Rank 1,499 of 1,683
Net Interest Margin
1.28%
Rank 1,679 of 1,683
Efficiency Ratio
103.17%
Rank 1,582 of 1,682
Equity / Assets
9.82%
Rank 1,373 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,499 / 1,683 | |
| Return on Equity | -0.44% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,502 / 1,681 | |
| Net Interest Margin | 1.28% | 3.31% | 3.82% | 4.32% | Beats 0% | 1,679 / 1,683 | |
| Efficiency Ratio | 103.17% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,582 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.58% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,619 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.82% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,373 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.82% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,373 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 21.71% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,643 / 1,683 | |
| Loans / Assets | 19.34% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,638 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||