Hattiesburg, MS · Charter 8905
NCUA · 11 branches
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 | 0.85% | 1.01% | 1.03% | 0.69% | 0.90% | +4 bps | |
| Return on Equity | 5.04% | 5.99% | 6.20% | 4.36% | 5.51% | +48 bps | |
| Net Interest Margin | 4.45% | 4.53% | 4.46% | 4.31% | 4.48% | +3 bps | |
| Efficiency Ratio | 77.64% | 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 / Loans | 0.42% | 0.54% | 0.61% | 0.49% | 0.39% | -3 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 | 16.92% | 16.85% | 16.62% | 15.81% | 16.25% | -68 bps | |
| Net Worth / Assets | 16.92% | 16.85% | 16.62% | 15.81% | 16.25% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.42% | 77.02% | 76.66% | 74.64% | 77.88% | +446 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |