PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Statewide

Flowood, MS · Charter 6369

NCUA · 4 branches

Q2 2026

$211.4MAssets
$127.4MLoans
$189.9MShares
$20.1MNet 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 0.96%, up 51 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.59% of loans (-18 bps YoY).
  • Capital: net worth / assets of 9.51%, up 28 bps from a year ago.
  • Funding: loans stand at 67.07% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.96%+51 bps YoY

Net Interest Margin (YTD, annualized)

4.39%+50 bps YoY

Efficiency Ratio (YTD, annualized)

73.96%-388 bps YoY

Net Worth / Assets

9.51%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.48%0.73%0.75%0.96%+51 bps
Return on Equity4.88%5.13%7.78%8.10%10.06%+518 bps
Net Interest Margin3.89%4.05%4.08%4.31%4.39%+50 bps
Efficiency Ratio77.83%76.37%74.25%74.60%73.96%-388 bps
Growth
Asset Growth (YoY)10.39%8.06%9.62%7.99%7.67%-272 bps
Loan Growth (YoY)8.42%8.60%10.08%11.62%9.58%+117 bps
Share Growth (YoY)10.78%8.38%9.19%8.33%7.74%-304 bps
Asset Quality
Delinquent Loans / Loans0.77%0.56%0.88%0.64%0.59%-18 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 Capital9.23%9.34%9.43%9.28%9.51%+28 bps
Net Worth / Assets9.23%9.34%9.43%9.28%9.51%+28 bps
Liquidity & Funding
Loans / Shares65.94%66.89%67.37%65.60%67.07%+113 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps