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Ridgeland, MS · Charter 6527 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$37.6MAssets
$21.1MLoans
$30.8MShares
$6.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 74% of credit unions under $1B in assets (rank 444 of 1683).
- Widest gap: return on equity trails 80% of credit unions under $1B in assets (rank 1347 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |