PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

One South

Natchez, MS · Charter 8840

NCUA · 1 branch

Q2 2026

$16.7MAssets
$7.5MLoans
$13.9MShares
$3.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.03%, down 195 bps year over year; NIM at 5.46%.
  • Asset quality: problem loans at 3.42% of loans (+46 bps YoY).
  • Capital: net worth / assets of 21.16%, up 129 bps from a year ago.
  • Funding: loans stand at 53.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.03%-195 bps YoY

Net Interest Margin (YTD, annualized)

5.46%-22 bps YoY

Efficiency Ratio (YTD, annualized)

89.56%+1,378 bps YoY

Net Worth / Assets

21.16%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.98%1.93%1.60%0.38%0.03%-195 bps
Return on Equity9.96%9.17%7.60%1.86%0.15%-981 bps
Net Interest Margin5.68%5.87%5.85%5.33%5.46%-22 bps
Efficiency Ratio75.78%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 / Loans2.96%3.65%4.11%2.99%3.42%+46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.86%21.07%21.02%20.55%21.16%+129 bps
Net Worth / Assets19.86%21.07%21.02%20.55%21.16%+129 bps
Liquidity & Funding
Loans / Shares59.56%61.79%61.20%55.18%53.82%-574 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps