Boyle, MS · Charter 9974
NCUA · 2 branches
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 (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.
Capital
87
Asset Quality
2
Profitability
71
Liquidity
0
Efficiency
29
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.
Boyle, MS · Charter 9974
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.37% | 0.08% | -0.67% | 4.01% | 0.64% | 0.89% | 1.57% | 1.61% | -240 bps | |
| Return on Equity | -1.90% | 0.42% | -3.49% | 18.98% | 3.34% | 4.65% | 8.25% | 7.97% | -1,100 bps | |
| Net Interest Margin | 4.79% | 4.77% | 4.14% | 4.53% | 4.22% | 4.27% | 3.85% | 3.90% | -63 bps | |
| Efficiency Ratio | 71.87% | 72.84% | 88.70% | 61.35% | 77.01% | 76.85% | 85.72% | 85.04% | +2,370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.86% | 4.30% | -4.33% | -3.64% | 5.98% | 7.66% | 9.87% | 8.66% | +1,229 bps | |
| Loan Growth (YoY) | -5.77% | -10.01% | -5.95% | -6.47% | 3.23% | -3.89% | -12.23% | -13.72% | -725 bps | |
| Share Growth (YoY) | 1.22% | 5.61% | -4.74% | -5.54% | 6.87% | 8.28% | 10.60% | 10.19% | +1,572 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.11% | 10.97% | 6.20% | 3.28% | 3.98% | 4.75% | 6.18% | 5.89% | +261 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.91% | 2.93% | 4.43% | 3.26% | 4.20% | 4.42% | 4.10% | 3.75% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.31% | 19.72% | 19.30% | 21.15% | 19.03% | 19.21% | 18.98% | 20.25% | -90 bps | |
| Net Worth / Assets | 19.31% | 19.72% | 19.30% | 21.15% | 19.03% | 19.21% | 18.98% | 20.25% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.48% | 34.76% | 35.58% | 36.85% | 34.27% | 30.85% | 28.23% | 28.86% | -800 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Boyle, MS · Charter 9974 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.60%
Rank 202 of 1,683
Net Interest Margin
3.90%
Rank 760 of 1,683
Efficiency Ratio
85.25%
Rank 1,195 of 1,682
Equity / Assets
20.24%
Rank 214 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.35% | 0.74% | 1.18% | Beats 88% | 202 / 1,683 | ||
| Return on Equity | 7.89% | 2.67% | 5.89% | 8.74% | Beats 69% | 529 / 1,681 | ||
| Net Interest Margin | 3.90% | 3.31% | 3.82% | 4.32% | Beats 55% | 760 / 1,683 | ||
| Efficiency Ratio | 85.25% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,195 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.90% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,644 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.24% | 10.44% | 12.89% | 16.53% | Beats 87% | 214 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.24% | 10.44% | 12.89% | 16.53% | Beats 87% | 214 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 28.86% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,605 / 1,683 | ||
| Loans / Assets | 22.56% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,620 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||