Shelby/Bolivar County
Boyle, MS · Charter 9974 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$4.5MAssets
$1.0MLoans
$3.5MShares
$912KNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 88% of credit unions under $1B in assets (rank 202 of 1683).
- Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets (rank 1644 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 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 |