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 | |