Biloxi, MS · Charter 8593
NCUA · 1 branch
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
1
Asset Quality
29
Profitability
25
Liquidity
63
Efficiency
3
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.
Biloxi, MS · Charter 8593
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | 0.17% | -0.51% | -0.30% | -0.05% | -2 bps | |
| Return on Equity | -0.30% | 2.32% | -7.35% | -4.35% | -0.63% | -33 bps | |
| Net Interest Margin | 4.40% | 4.19% | 4.15% | 4.00% | 3.91% | -49 bps | |
| Efficiency Ratio | 90.96% | 94.29% | 109.16% | 109.62% | 115.97% | +2,501 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.64% | -0.72% | -0.56% | -3.85% | -4.13% | -149 bps | |
| Loan Growth (YoY) | -16.45% | -9.42% | -8.14% | -12.25% | -4.25% | +1,221 bps | |
| Share Growth (YoY) | -2.57% | -0.55% | -0.14% | -3.85% | -4.44% | -187 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 1.25% | 6.83% | 1.10% | 1.12% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.69% | 0.59% | 1.06% | 1.11% | 1.06% | -63 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.38% | 7.49% | 6.90% | 6.97% | 7.16% | -22 bps | |
| Net Worth / Assets | 7.38% | 7.49% | 6.90% | 6.97% | 7.16% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.04% | 56.76% | 55.70% | 54.01% | 58.16% | +12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Biloxi, MS · Charter 8593 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.04%
Rank 1,498 of 1,683
Net Interest Margin
3.89%
Rank 768 of 1,683
Efficiency Ratio
116.35%
Rank 1,632 of 1,682
Equity / Assets
7.15%
Rank 1,661 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,498 / 1,683 | |
| Return on Equity | -0.56% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,508 / 1,681 | |
| Net Interest Margin | 3.89% | 3.31% | 3.82% | 4.32% | Beats 54% | 768 / 1,683 | |
| Efficiency Ratio | 116.35% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,632 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.14% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,197 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.15% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,661 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.15% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,661 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.15% | 52.61% | 69.38% | 83.50% | 32nd pctl | 1,140 / 1,683 | |
| Loans / Assets | 50.67% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,098 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||