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 | |