Natchez, MS · Charter 8840
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 in the Dallas-Fort Worth-Arlington, TX area (n=60). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
12
Profitability
49
Liquidity
66
Efficiency
28
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.
Natchez, MS · Charter 8840
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 | 1.98% | 1.93% | 1.60% | 0.38% | 0.03% | -195 bps | |
| Return on Equity | 9.96% | 9.17% | 7.60% | 1.86% | 0.15% | -981 bps | |
| Net Interest Margin | 5.68% | 5.87% | 5.85% | 5.33% | 5.46% | -22 bps | |
| Efficiency Ratio | 75.78% | 75.88% | 78.57% | 85.68% | 89.56% | +1,378 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.49% | -11.20% | -6.30% | -4.06% | -4.46% | -297 bps | |
| Loan Growth (YoY) | -1.25% | -4.55% | -2.69% | -10.17% | -14.64% | -1,338 bps | |
| Share Growth (YoY) | -3.69% | -14.62% | -8.40% | -5.39% | -5.54% | -185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.96% | 3.65% | 4.11% | 2.99% | 3.42% | +46 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.86% | 21.07% | 21.02% | 20.55% | 21.16% | +129 bps | |
| Net Worth / Assets | 19.86% | 21.07% | 21.02% | 20.55% | 21.16% | +129 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.56% | 61.79% | 61.20% | 55.18% | 53.82% | -574 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Natchez, MS · Charter 8840 · Peer group: credit unions under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=60)
NCUA · 1 branch
Q2 2026
Return on Assets
0.04%
Rank 44 of 60
Net Interest Margin
5.46%
Rank 4 of 60
Efficiency Ratio
89.51%
Rank 44 of 60
Equity / Assets
21.16%
Rank 12 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.02% | 0.62% | 0.99% | Beats 27% | 44 / 60 | |
| Return on Equity | 0.17% | 0.12% | 4.17% | 8.32% | Beats 27% | 44 / 60 | |
| Net Interest Margin | 5.46% | 3.36% | 3.95% | 4.45% | Beats 93% | 4 / 60 | |
| Efficiency Ratio | 89.51% | 70.09% | 78.52% | 92.77% | Beats 28% | 44 / 60 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.42% | 0.25% | 0.82% | 1.91% | Beats 12% | 54 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.16% | 11.15% | 14.35% | 19.86% | Beats 80% | 12 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.16% | 11.15% | 14.35% | 19.86% | Beats 80% | 12 / 60 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.82% | 51.31% | 60.45% | 81.20% | 32nd pctl | 41 / 60 | |
| Loans / Assets | 44.83% | 41.11% | 52.43% | 68.66% | 32nd pctl | 41 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||