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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |