Statewide
Flowood, MS · Charter 6369 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$211.4MAssets
$127.4MLoans
$189.9MShares
$20.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 84% of credit unions under $1B in assets (rank 277 of 1681).
- Widest gap: equity / assets trails 85% of credit unions under $1B in assets (rank 1427 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.96%
Rank 629 of 1,683
Net Interest Margin
4.39%
Rank 386 of 1,683
Efficiency Ratio
73.95%
Rank 633 of 1,682
Equity / Assets
9.51%
Rank 1,427 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.35% | 0.74% | 1.18% | Beats 63% | 629 / 1,683 | | |
| Return on Equity | 10.06% | 2.67% | 5.89% | 8.74% | Beats 84% | 277 / 1,681 | | |
| Net Interest Margin | 4.39% | 3.31% | 3.82% | 4.32% | Beats 77% | 386 / 1,683 | | |
| Efficiency Ratio | 73.95% | 68.91% | 78.20% | 86.93% | Beats 62% | 633 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.26% | 0.65% | 1.29% | Beats 54% | 780 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.51% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,427 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.51% | 10.44% | 12.89% | 16.53% | Beats 15% | 1,427 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.07% | 52.61% | 69.38% | 83.50% | 46th pctl | 916 / 1,683 | | |
| Loans / Assets | 60.26% | 44.71% | 59.18% | 70.72% | 52nd pctl | 801 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |