First Neshoba
Philadelphia, MS · Charter 16435 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$24.6MAssets
$8.9MLoans
$21.1MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 82% of credit unions under $1B in assets (rank 297 of 1681).
- Widest gap: nonperforming loans / loans trails 63% of credit unions under $1B in assets (rank 1053 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.30%
Rank 347 of 1,683
Net Interest Margin
4.05%
Rank 624 of 1,683
Efficiency Ratio
68.25%
Rank 404 of 1,682
Equity / Assets
13.24%
Rank 778 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | 0.35% | 0.74% | 1.18% | Beats 79% | 347 / 1,683 | | |
| Return on Equity | 9.84% | 2.67% | 5.89% | 8.74% | Beats 82% | 297 / 1,681 | | |
| Net Interest Margin | 4.05% | 3.31% | 3.82% | 4.32% | Beats 63% | 624 / 1,683 | | |
| Efficiency Ratio | 68.25% | 68.91% | 78.20% | 86.93% | Beats 76% | 404 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,053 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.24% | 10.44% | 12.89% | 16.53% | Beats 54% | 778 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.24% | 10.44% | 12.89% | 16.53% | Beats 54% | 778 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 42.19% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,460 / 1,683 | | |
| Loans / Assets | 36.28% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,440 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |