PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Shelby/Bolivar County

Boyle, MS · Charter 9974

NCUA · 2 branches

Q2 2026

$4.5MAssets
$1.0MLoans
$3.5MShares
$912KNet 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 1.61%, down 240 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 5.89% of loans (+261 bps YoY).
  • Capital: net worth / assets of 20.25%, down 90 bps from a year ago.
  • Funding: loans stand at 28.86% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.61%-240 bps YoY

Net Interest Margin (quarter, annualized)

3.90%-63 bps YoY

Efficiency Ratio (quarter, annualized)

85.04%+2,370 bps YoY

Net Worth / Assets

20.25%-90 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.01%0.64%0.89%1.57%1.61%-240 bps
Return on Equity18.98%3.34%4.65%8.25%7.97%-1,100 bps
Net Interest Margin4.53%4.22%4.27%3.85%3.90%-63 bps
Efficiency Ratio61.35%77.01%76.85%85.72%85.04%+2,370 bps
Growth
Asset Growth (YoY)-3.64%5.98%7.66%9.87%8.66%+1,229 bps
Loan Growth (YoY)-6.47%3.23%-3.89%-12.23%-13.72%-725 bps
Share Growth (YoY)-5.54%6.87%8.28%10.60%10.19%+1,572 bps
Asset Quality
Delinquent Loans / Loans3.28%3.98%4.75%6.18%5.89%+261 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.26%4.20%4.42%4.10%3.75%+49 bps
Capital
Risk-Based Capital21.15%19.03%19.21%18.98%20.25%-90 bps
Net Worth / Assets21.15%19.03%19.21%18.98%20.25%-90 bps
Liquidity & Funding
Loans / Shares36.85%34.27%30.85%28.23%28.86%-800 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps