Jackson, MS · Charter 8052
NCUA · 1 branch
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 | 0.47% | 0.33% | -0.18% | 0.10% | 0.06% | -0.02% | -0.71% | -0.57% | -67 bps | |
| Return on Equity | 3.48% | 2.37% | -1.30% | 0.73% | 0.41% | -0.11% | -5.33% | -4.28% | -501 bps | |
| Net Interest Margin | 4.97% | 5.07% | 4.83% | 5.09% | 5.15% | 5.07% | 4.55% | 4.57% | -52 bps | |
| Efficiency Ratio | 91.45% | 90.42% | 100.00% | 95.93% | 94.84% | 95.48% | 107.44% | 104.82% | +889 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.69% | 5.51% | 3.56% | 2.55% | -2.39% | -1.55% | 0.79% | 2.19% | -36 bps | |
| Loan Growth (YoY) | 14.70% | 10.41% | -3.89% | -1.61% | 0.92% | 0.79% | 5.13% | -1.54% | +7 bps | |
| Share Growth (YoY) | 6.18% | 5.92% | 3.80% | 2.57% | -3.10% | -1.83% | 1.09% | 2.99% | +42 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.52% | 0.84% | 1.24% | 1.31% | 0.17% | 0.86% | 1.79% | +55 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 | 13.56% | 13.73% | 13.62% | 13.86% | 14.10% | 13.93% | 13.28% | 13.22% | -64 bps | |
| Net Worth / Assets | 13.56% | 13.73% | 13.62% | 13.86% | 14.10% | 13.93% | 13.28% | 13.22% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.58% | 54.04% | 48.35% | 52.60% | 56.84% | 55.47% | 50.29% | 50.28% | -231 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |