PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

N. Mississippi Health Services Emp.

Tupelo, MS · Charter 23900

NCUA · 1 branch

Q2 2026

$14.0MAssets
$6.9MLoans
$11.1MShares
$2.9MNet 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 1.63%, down 45 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY).
  • Capital: net worth / assets of 20.95%, up 192 bps from a year ago.
  • Funding: loans stand at 62.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.63%-45 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-27 bps YoY

Efficiency Ratio (YTD, annualized)

50.08%+387 bps YoY

Net Worth / Assets

20.95%+192 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.08%2.06%2.13%1.83%1.63%-45 bps
Return on Equity10.92%10.64%9.92%8.56%7.78%-314 bps
Net Interest Margin3.69%3.67%3.96%3.53%3.42%-27 bps
Efficiency Ratio46.21%44.68%46.33%48.52%50.08%+387 bps
Growth
Asset Growth (YoY)-1.72%-0.84%-2.19%0.48%-0.81%+91 bps
Loan Growth (YoY)4.91%9.31%13.22%-4.02%-1.18%-609 bps
Share Growth (YoY)-4.43%-3.31%-5.09%-1.78%-3.17%+127 bps
Asset Quality
Delinquent Loans / Loans0.01%0.01%0.01%0.04%0.00%-1 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 Capital19.03%19.38%21.47%21.37%20.95%+192 bps
Net Worth / Assets19.03%19.38%21.47%21.37%20.95%+192 bps
Liquidity & Funding
Loans / Shares60.94%60.00%68.38%65.74%62.19%+125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps