PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Treasury Employees

Jackson, MS · Charter 5780

NCUA · 2 branches

Q2 2026

$9.4MAssets
$1.8MLoans
$8.3MShares
$919KNet 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 -0.04%, up 50 bps year over year; NIM at 1.29%.
  • Asset quality: problem loans at 4.57% of loans (+82 bps YoY).
  • Capital: net worth / assets of 9.82%, up 55 bps from a year ago.
  • Funding: loans stand at 21.71% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.04%+50 bps YoY

Net Interest Margin (YTD, annualized)

1.29%+61 bps YoY

Efficiency Ratio (YTD, annualized)

102.95%-7,622 bps YoY

Net Worth / Assets

9.82%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin0.68%0.75%1.08%1.35%1.29%+61 bps
Efficiency Ratio179.17%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 / Loans3.75%3.25%10.18%4.40%4.57%+82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.32%1.29%1.23%1.34%0.96%-36 bps
Capital
Risk-Based Capital9.27%9.54%9.59%9.47%9.82%+55 bps
Net Worth / Assets9.27%9.54%9.59%9.47%9.82%+55 bps
Liquidity & Funding
Loans / Shares22.52%24.01%24.95%22.63%21.71%-81 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps