Water's Edge
Biloxi, MS · Charter 8593 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.0MAssets
$2.6MLoans
$4.4MShares
$360KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 54% of credit unions under $1B in assets (rank 768 of 1683).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1661 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 8-Qtr Trend | 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 |