Ridgeland, MS · Charter 6527
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |