Flowood, MS · Charter 6369
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.65% | 0.42% | 0.45% | 0.48% | 0.73% | 0.75% | 0.96% | +51 bps | |
| Return on Equity | 6.09% | 6.76% | 4.57% | 4.88% | 5.13% | 7.78% | 8.10% | 10.06% | +518 bps | |
| Net Interest Margin | 3.62% | 3.65% | 3.76% | 3.89% | 4.05% | 4.08% | 4.31% | 4.39% | +50 bps | |
| Efficiency Ratio | 80.45% | 79.20% | 78.24% | 77.83% | 76.37% | 74.25% | 74.60% | 73.96% | -388 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.14% | 7.28% | 9.72% | 10.39% | 8.06% | 9.62% | 7.99% | 7.67% | -272 bps | |
| Loan Growth (YoY) | 3.72% | 6.22% | 6.52% | 8.42% | 8.60% | 10.08% | 11.62% | 9.58% | +117 bps | |
| Share Growth (YoY) | 5.94% | 7.39% | 9.51% | 10.78% | 8.38% | 9.19% | 8.33% | 7.74% | -304 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 1.15% | 0.94% | 0.77% | 0.56% | 0.88% | 0.64% | 0.59% | -18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.52% | 9.57% | 9.19% | 9.23% | 9.34% | 9.43% | 9.28% | 9.51% | +28 bps | |
| Net Worth / Assets | 9.52% | 9.57% | 9.19% | 9.23% | 9.34% | 9.43% | 9.28% | 9.51% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.76% | 66.82% | 63.66% | 65.94% | 66.89% | 67.37% | 65.60% | 67.07% | +113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |