Meridian, MS · Charter 21073
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
96
Asset Quality
43
Profitability
56
Liquidity
21
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Meridian, MS · Charter 21073
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 | 1.12% | 1.11% | 0.22% | 0.61% | 0.92% | 1.11% | 0.55% | 0.73% | +12 bps | |
| Return on Equity | 3.89% | 3.95% | 0.81% | 2.14% | 3.15% | 3.83% | 1.94% | 2.56% | +42 bps | |
| Net Interest Margin | 5.12% | 5.07% | 5.02% | 5.30% | 5.42% | 5.43% | 5.20% | 5.16% | -14 bps | |
| Efficiency Ratio | 74.08% | 74.20% | 86.32% | 85.49% | 85.04% | 83.86% | 88.09% | 80.18% | -531 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.06% | 2.75% | 5.28% | 3.14% | 1.45% | 0.44% | -1.00% | 3.25% | +11 bps | |
| Loan Growth (YoY) | 18.79% | 14.29% | 12.31% | 6.95% | 3.81% | 3.09% | 0.46% | -1.44% | -839 bps | |
| Share Growth (YoY) | -0.16% | 3.11% | 8.14% | 4.94% | 0.66% | 1.28% | 0.02% | 6.24% | +130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.68% | 1.40% | 0.90% | 1.73% | 1.11% | 0.87% | 1.04% | 0.79% | -93 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 | 28.69% | 28.01% | 27.28% | 28.39% | 29.12% | 28.84% | 28.59% | 28.51% | +12 bps | |
| Net Worth / Assets | 28.69% | 28.01% | 27.28% | 28.39% | 29.12% | 28.84% | 28.59% | 28.51% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.90% | 90.52% | 88.20% | 94.11% | 95.81% | 92.13% | 88.59% | 87.31% | -680 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Meridian, MS · Charter 21073 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.73%
Rank 847 of 1,683
Net Interest Margin
5.16%
Rank 119 of 1,683
Efficiency Ratio
80.17%
Rank 942 of 1,682
Equity / Assets
28.51%
Rank 64 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.35% | 0.74% | 1.18% | Beats 50% | 847 / 1,683 | ||
| Return on Equity | 2.57% | 2.67% | 5.89% | 8.74% | Beats 24% | 1,282 / 1,681 | ||
| Net Interest Margin | 5.16% | 3.31% | 3.82% | 4.32% | Beats 93% | 119 / 1,683 | ||
| Efficiency Ratio | 80.17% | 68.91% | 78.20% | 86.93% | Beats 44% | 942 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.26% | 0.65% | 1.29% | Beats 43% | 953 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 28.51% | 10.44% | 12.89% | 16.53% | Beats 96% | 64 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 28.51% | 10.44% | 12.89% | 16.53% | Beats 96% | 64 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.31% | 52.61% | 69.38% | 83.50% | 82nd pctl | 310 / 1,683 | ||
| Loans / Assets | 60.54% | 44.71% | 59.18% | 70.72% | 53rd pctl | 789 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||