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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.90% | 0.35% | 0.74% | 1.18% | Beats 59% | 687 / 1,683 | |
| Return on Equity | 5.51% | 2.67% | 5.89% | 8.74% | Beats 47% | 893 / 1,681 | |
| Net Interest Margin | 4.48% | 3.31% | 3.82% | 4.32% | Beats 80% | 339 / 1,683 | |
| Efficiency Ratio | 78.92% | 68.91% | 78.20% | 86.93% | Beats 48% | 876 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 67% | 559 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.25% | 10.44% | 12.89% | 16.53% | Beats 74% | 443 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.25% | 10.44% | 12.89% | 16.53% | Beats 74% | 443 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 77.88% | 52.61% | 69.38% | 83.50% | 66th pctl | 578 / 1,683 | |
| Loans / Assets | 64.88% | 44.71% | 59.18% | 70.72% | 62nd pctl | 634 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |