Meridian, MS · Charter 15377
NCUA · 1 branch
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 | 2.18% | 1.86% | 2.16% | 2.13% | 2.22% | 1.70% | 1.80% | 1.72% | -41 bps | |
| Return on Equity | 15.95% | 13.82% | 15.53% | 15.11% | 15.31% | 12.12% | 12.55% | 11.78% | -333 bps | |
| Net Interest Margin | 3.81% | 3.73% | 4.02% | 3.80% | 3.89% | 3.70% | 3.85% | 3.85% | +5 bps | |
| Efficiency Ratio | 48.39% | 55.09% | 53.20% | 50.94% | 48.91% | 57.75% | 59.06% | 55.66% | +472 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.20% | 8.04% | 8.09% | 10.77% | 8.92% | 9.29% | 9.81% | 7.67% | -310 bps | |
| Loan Growth (YoY) | 24.02% | 16.24% | 11.10% | 2.59% | 2.02% | 4.47% | 5.97% | 6.14% | +355 bps | |
| Share Growth (YoY) | 2.36% | 6.91% | 6.90% | 10.02% | 7.94% | 8.59% | 9.22% | 7.00% | -303 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.26% | 0.02% | 0.83% | 0.54% | 1.50% | 1.46% | 1.57% | +74 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.67% | 13.48% | 13.94% | 14.08% | 14.49% | 14.03% | 14.36% | 14.61% | +54 bps | |
| Net Worth / Assets | 13.67% | 13.48% | 13.94% | 14.08% | 14.49% | 14.03% | 14.36% | 14.61% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.86% | 88.61% | 87.90% | 85.72% | 87.76% | 85.25% | 85.28% | 85.03% | -69 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |