Biloxi, MS · Charter 8593
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 | -0.20% | -0.57% | 0.10% | -0.02% | 0.17% | -0.51% | -0.30% | -0.05% | -2 bps | |
| Return on Equity | -2.56% | -7.71% | 1.40% | -0.30% | 2.32% | -7.35% | -4.35% | -0.63% | -33 bps | |
| Net Interest Margin | 4.59% | 4.62% | 4.49% | 4.40% | 4.19% | 4.15% | 4.00% | 3.91% | -49 bps | |
| Efficiency Ratio | 86.97% | 89.99% | 93.75% | 90.96% | 94.29% | 109.16% | 109.62% | 115.97% | +2,501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.91% | -14.29% | -7.55% | -2.64% | -0.72% | -0.56% | -3.85% | -4.13% | -149 bps | |
| Loan Growth (YoY) | -20.01% | -22.80% | -18.96% | -16.45% | -9.42% | -8.14% | -12.25% | -4.25% | +1,221 bps | |
| Share Growth (YoY) | -14.86% | -13.63% | -7.48% | -2.57% | -0.55% | -0.14% | -3.85% | -4.44% | -187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.73% | 3.96% | 0.64% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 1.62% | 1.63% | 1.69% | 0.59% | 1.06% | 1.11% | 1.06% | -63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.66% | 7.36% | 7.30% | 7.38% | 7.49% | 6.90% | 6.97% | 7.16% | -22 bps | |
| Net Worth / Assets | 7.66% | 7.36% | 7.30% | 7.38% | 7.49% | 6.90% | 6.97% | 7.16% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.32% | 60.54% | 59.18% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |