Jackson, MS · Charter 5930
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 in the Birmingham, AL area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
10
Profitability
32
Liquidity
52
Efficiency
10
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 5930
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 | -3.81% | -4.05% | -3.24% | -0.42% | -0.70% | +311 bps | |
| Return on Equity | -36.94% | -43.86% | -38.27% | -5.09% | -8.40% | +2,854 bps | |
| Net Interest Margin | 5.91% | 5.83% | 5.50% | 3.94% | 4.78% | -113 bps | |
| Efficiency Ratio | 87.56% | 89.52% | 90.81% | 111.10% | 101.56% | +1,399 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.57% | 2.50% | 3.61% | 3.15% | 1.07% | -451 bps | |
| Loan Growth (YoY) | -10.70% | -11.39% | -13.47% | -12.71% | -16.13% | -543 bps | |
| Share Growth (YoY) | 7.16% | 6.56% | 8.66% | 6.85% | 3.55% | -361 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.56% | 6.31% | 6.26% | 7.41% | 8.53% | +296 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 | 10.31% | 9.24% | 8.47% | 8.32% | 8.32% | -199 bps | |
| Net Worth / Assets | 10.31% | 9.24% | 8.47% | 8.32% | 8.32% | -199 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.89% | 81.30% | 75.10% | 71.47% | 68.76% | -1,613 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jackson, MS · Charter 5930 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.70%
Rank 27 of 29
Net Interest Margin
4.79%
Rank 5 of 29
Efficiency Ratio
101.41%
Rank 27 of 29
Equity / Assets
8.32%
Rank 28 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.70% | 0.26% | 0.65% | 1.06% | Beats 7% | 27 / 29 | |
| Return on Equity | -8.45% | 2.33% | 4.15% | 7.02% | Beats 7% | 27 / 29 | |
| Net Interest Margin | 4.79% | 3.29% | 3.80% | 4.67% | Beats 83% | 5 / 29 | |
| Efficiency Ratio | 101.41% | 67.71% | 81.00% | 89.29% | Beats 10% | 27 / 29 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 8.53% | 0.40% | 1.03% | 1.72% | Beats 10% | 27 / 29 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.32% | 10.13% | 13.97% | 19.12% | Beats 3% | 28 / 29 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.32% | 10.13% | 13.97% | 19.12% | Beats 3% | 28 / 29 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.76% | 40.72% | 55.53% | 68.24% | 76th pctl | 7 / 29 | |
| Loans / Assets | 62.91% | 35.46% | 45.52% | 58.70% | 79th pctl | 6 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||