Ridgeland, MS · Charter 6527
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
74
Asset Quality
45
Profitability
35
Liquidity
96
Efficiency
21
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Ridgeland, MS · Charter 6527
NCUA · 3 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 | 0.91% | 0.92% | 1.03% | 0.94% | 0.80% | 0.68% | 0.47% | 0.32% | -62 bps | |
| Return on Equity | 5.84% | 5.90% | 6.67% | 5.99% | 4.92% | 4.23% | 2.93% | 1.99% | -400 bps | |
| Net Interest Margin | 3.84% | 3.80% | 3.87% | 3.89% | 4.06% | 4.03% | 3.92% | 4.04% | +15 bps | |
| Efficiency Ratio | 80.14% | 80.79% | 79.02% | 80.67% | 82.54% | 84.76% | 85.14% | 88.56% | +789 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.42% | 0.38% | 1.44% | 2.81% | 2.22% | 1.81% | 0.18% | -1.28% | -409 bps | |
| Loan Growth (YoY) | 2.13% | 5.01% | 3.34% | 2.31% | 3.83% | 1.98% | -1.20% | -1.32% | -363 bps | |
| Share Growth (YoY) | -3.45% | 0.05% | 0.82% | 3.04% | 1.37% | 0.45% | -1.34% | -3.21% | -625 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 1.43% | 0.79% | 1.02% | 0.65% | 0.69% | 0.61% | 0.75% | -27 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 | 15.66% | 15.67% | 15.46% | 15.68% | 16.17% | 16.07% | 15.96% | 16.25% | +57 bps | |
| Net Worth / Assets | 15.66% | 15.67% | 15.46% | 15.68% | 16.17% | 16.07% | 15.96% | 16.25% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.95% | 67.34% | 67.45% | 66.95% | 68.58% | 68.36% | 67.54% | 68.25% | +130 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ridgeland, MS · Charter 6527 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.32%
Rank 1,291 of 1,683
Net Interest Margin
4.05%
Rank 633 of 1,683
Efficiency Ratio
88.53%
Rank 1,328 of 1,682
Equity / Assets
16.25%
Rank 444 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.32% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,291 / 1,683 | ||
| Return on Equity | 2.00% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,347 / 1,681 | ||
| Net Interest Margin | 4.05% | 3.31% | 3.82% | 4.32% | Beats 62% | 633 / 1,683 | ||
| Efficiency Ratio | 88.53% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,328 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 45% | 920 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.25% | 10.44% | 12.89% | 16.53% | Beats 74% | 444 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.25% | 10.44% | 12.89% | 16.53% | Beats 74% | 444 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.25% | 52.61% | 69.38% | 83.50% | 48th pctl | 869 / 1,683 | ||
| Loans / Assets | 56.03% | 44.71% | 59.18% | 70.72% | 43rd pctl | 954 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||