PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Healthplus

Jackson, MS · Charter 5930

NCUA · 2 branches

Q2 2026

$10.5MAssets
$6.6MLoans
$9.6MShares
$876KNet 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 -0.70%, up 311 bps year over year; NIM at 4.78%.
  • Asset quality: problem loans at 8.53% of loans (+296 bps YoY).
  • Capital: net worth / assets of 8.32%, down 199 bps from a year ago.
  • Funding: loans stand at 68.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.70%+311 bps YoY

Net Interest Margin (YTD, annualized)

4.78%-113 bps YoY

Efficiency Ratio (YTD, annualized)

101.56%+1,399 bps YoY

Net Worth / Assets

8.32%-199 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin5.91%5.83%5.50%3.94%4.78%-113 bps
Efficiency Ratio87.56%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 / Loans5.56%6.31%6.26%7.41%8.53%+296 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 Capital10.31%9.24%8.47%8.32%8.32%-199 bps
Net Worth / Assets10.31%9.24%8.47%8.32%8.32%-199 bps
Liquidity & Funding
Loans / Shares84.89%81.30%75.10%71.47%68.76%-1,613 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps