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Sunbelt

Hattiesburg, MS · Charter 8905

NCUA · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sunbelt

Hattiesburg, MS · Charter 8905

NCUA · 11 branches

Q2 2026

$366.4MAssets
$237.7MLoans
$305.2MShares
$59.5MNet 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 0.90%, up 4 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.39% of loans (-3 bps YoY).
  • Capital: net worth / assets of 16.25%, down 68 bps from a year ago.
  • Funding: loans stand at 77.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%+4 bps YoY

Net Interest Margin (YTD, annualized)

4.48%+3 bps YoY

Efficiency Ratio (YTD, annualized)

78.92%+128 bps YoY

Net Worth / Assets

16.25%-68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%1.01%1.03%0.69%0.90%+4 bps
Return on Equity5.04%5.99%6.20%4.36%5.51%+48 bps
Net Interest Margin4.45%4.53%4.46%4.31%4.48%+3 bps
Efficiency Ratio77.64%77.46%76.96%79.37%78.92%+128 bps
Growth
Asset Growth (YoY)12.60%10.37%10.77%11.30%9.88%-272 bps
Loan Growth (YoY)16.86%19.87%20.91%19.92%17.17%+31 bps
Share Growth (YoY)15.25%11.27%10.89%12.08%10.47%-478 bps
Asset Quality
Delinquent Loans / Loans0.42%0.54%0.61%0.49%0.39%-3 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 Capital16.92%16.85%16.62%15.81%16.25%-68 bps
Net Worth / Assets16.92%16.85%16.62%15.81%16.25%-68 bps
Liquidity & Funding
Loans / Shares73.42%77.02%76.66%74.64%77.88%+446 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sunbelt

Hattiesburg, MS · Charter 8905 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 11 branches

Q2 2026

$366.4MAssets
$237.7MLoans
$305.2MShares
$59.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets (rank 339 of 1683).
  • Widest gap: return on equity trails 53% of credit unions under $1B in assets (rank 893 of 1681).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.90%

Rank 687 of 1,683

Net Interest Margin

4.48%

Rank 339 of 1,683

Efficiency Ratio

78.92%

Rank 876 of 1,682

Equity / Assets

16.25%

Rank 443 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.35%0.74%1.18%Beats 59%687 / 1,683
Return on Equity5.51%2.67%5.89%8.74%Beats 47%893 / 1,681
Net Interest Margin4.48%3.31%3.82%4.32%Beats 80%339 / 1,683
Efficiency Ratio78.92%68.91%78.20%86.93%Beats 48%876 / 1,682
Asset Quality
Nonperforming Loans / Loans0.39%0.26%0.65%1.29%Beats 67%559 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.25%10.44%12.89%16.53%Beats 74%443 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.25%10.44%12.89%16.53%Beats 74%443 / 1,683
Liquidity & Funding
Loans / Deposits77.88%52.61%69.38%83.50%66th pctl578 / 1,683
Loans / Assets64.88%44.71%59.18%70.72%62nd pctl634 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution