Jackson, MS · Charter 8445
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=1,682 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
0
Asset Quality
22
Profitability
11
Liquidity
0
Efficiency
0
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.
Jackson, MS · Charter 8445
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 | 0.57% | 0.53% | 0.38% | 0.57% | 0.57% | 0.76% | -514% | -338% | -33,906 bps | |
| Return on Equity | 5.94% | 5.52% | 3.98% | 5.89% | 6.24% | 8.38% | n/a | n/a | n/a | |
| Net Interest Margin | 1.82% | 1.76% | 1.46% | 1.56% | 1.61% | 1.47% | 3.47% | 3.23% | +167 bps | |
| Efficiency Ratio | 79.26% | 80.49% | 75.91% | 79.12% | 74.02% | 70.32% | 5582% | 4796% | +471,687 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.04% | 7.44% | 8.12% | 2.94% | 10.20% | 16.08% | -50.16% | -57.48% | -6,042 bps | |
| Loan Growth (YoY) | 1.95% | 2.08% | 2.82% | -1.42% | -1.38% | -1.59% | -3.72% | -8.31% | -689 bps | |
| Share Growth (YoY) | 11.55% | 6.87% | 8.51% | 2.76% | 7.35% | 17.87% | 14.47% | 5.47% | +270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.41% | 1.39% | 1.48% | 1.29% | 1.86% | 1.19% | 1.49% | +1 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 | 9.56% | 9.64% | 9.51% | 9.70% | 9.20% | 9.06% | -107.94% | -145.36% | -15,506 bps | |
| Net Worth / Assets | 9.56% | 9.64% | 9.51% | 9.70% | 9.20% | 9.06% | -107.94% | -145.36% | -15,506 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.63% | 36.65% | 35.03% | 35.56% | 33.65% | 30.60% | 29.46% | 30.91% | -464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Jackson, MS · Charter 8445 · Peer group: credit unions under $1B in assets (n=1,682-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-338%
Rank 1,683 of 1,683
Net Interest Margin
3.23%
Rank 1,320 of 1,683
Efficiency Ratio
4798%
Rank 1,682 of 1,682
Equity / Assets
-145.36%
Rank 1,683 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -338% | 0.35% | 0.74% | 1.18% | Beats 0% | 1,683 / 1,683 | ||
| Return on Equity | n/a | Not reported for this institution | ||||||
| Net Interest Margin | 3.23% | 3.31% | 3.82% | 4.32% | Beats 22% | 1,320 / 1,683 | ||
| Efficiency Ratio | 4798% | 68.91% | 78.20% | 86.93% | Beats 0% | 1,682 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.49% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,319 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | -145.36% | 10.44% | 12.89% | 16.53% | Beats 0% | 1,683 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | -145.36% | 10.44% | 12.89% | 16.53% | Beats 0% | 1,683 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.91% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,591 / 1,683 | ||
| Loans / Assets | 69.19% | 44.71% | 59.18% | 70.72% | 72nd pctl | 474 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||