PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

1st Mississippi

Meridian, MS · Charter 21073

NCUA · 2 branches

Q2 2026

$82.8MAssets
$50.1MLoans
$57.4MShares
$23.6MNet 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 0.73%, up 12 bps year over year; NIM at 5.16%.
  • Asset quality: problem loans at 0.79% of loans (-93 bps YoY).
  • Capital: net worth / assets of 28.51%, up 12 bps from a year ago.
  • Funding: loans stand at 87.31% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.73%+12 bps YoY

Net Interest Margin (quarter, annualized)

5.16%-14 bps YoY

Efficiency Ratio (quarter, annualized)

80.18%-531 bps YoY

Net Worth / Assets

28.51%+12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.92%1.11%0.55%0.73%+12 bps
Return on Equity2.14%3.15%3.83%1.94%2.56%+42 bps
Net Interest Margin5.30%5.42%5.43%5.20%5.16%-14 bps
Efficiency Ratio85.49%85.04%83.86%88.09%80.18%-531 bps
Growth
Asset Growth (YoY)3.14%1.45%0.44%-1.00%3.25%+11 bps
Loan Growth (YoY)6.95%3.81%3.09%0.46%-1.44%-839 bps
Share Growth (YoY)4.94%0.66%1.28%0.02%6.24%+130 bps
Asset Quality
Delinquent Loans / Loans1.73%1.11%0.87%1.04%0.79%-93 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 Capital28.39%29.12%28.84%28.59%28.51%+12 bps
Net Worth / Assets28.39%29.12%28.84%28.59%28.51%+12 bps
Liquidity & Funding
Loans / Shares94.11%95.81%92.13%88.59%87.31%-680 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps