PackageTrendsPeer
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Meridian Mississippi Ang

Meridian, MS · Charter 15377

NCUA · 1 branch

Q2 2026

$31.3MAssets
$22.7MLoans
$26.7MShares
$4.6MNet 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 1.72%, down 41 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 1.57% of loans (+74 bps YoY).
  • Capital: net worth / assets of 14.61%, up 54 bps from a year ago.
  • Funding: loans stand at 85.03% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.72%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+5 bps YoY

Efficiency Ratio (YTD, annualized)

55.66%+472 bps YoY

Net Worth / Assets

14.61%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.13%2.22%1.70%1.80%1.72%-41 bps
Return on Equity15.11%15.31%12.12%12.55%11.78%-333 bps
Net Interest Margin3.80%3.89%3.70%3.85%3.85%+5 bps
Efficiency Ratio50.94%48.91%57.75%59.06%55.66%+472 bps
Growth
Asset Growth (YoY)10.77%8.92%9.29%9.81%7.67%-310 bps
Loan Growth (YoY)2.59%2.02%4.47%5.97%6.14%+355 bps
Share Growth (YoY)10.02%7.94%8.59%9.22%7.00%-303 bps
Asset Quality
Delinquent Loans / Loans0.83%0.54%1.50%1.46%1.57%+74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.08%14.49%14.03%14.36%14.61%+54 bps
Net Worth / Assets14.08%14.49%14.03%14.36%14.61%+54 bps
Liquidity & Funding
Loans / Shares85.72%87.76%85.25%85.28%85.03%-69 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps