1st Mississippi
Meridian, MS · Charter 21073 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$82.8MAssets
$50.1MLoans
$57.4MShares
$23.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 96% of credit unions under $1B in assets (rank 64 of 1683).
- Widest gap: return on equity trails 76% of credit unions under $1B in assets (rank 1282 of 1681).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 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 |