Meridian, MS · Charter 24894
NCUA · 1 branch
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
92
Asset Quality
100
Profitability
12
Liquidity
0
Efficiency
6
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 24894
NCUA · 1 branch
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 | 0.17% | 0.12% | 0.14% | 0.15% | 0.16% | 0.15% | 0.15% | 0.25% | +10 bps | |
| Return on Equity | 0.80% | 0.59% | 0.69% | 0.73% | 0.75% | 0.72% | 0.68% | 1.10% | +37 bps | |
| Net Interest Margin | 1.50% | 1.49% | 1.43% | 1.78% | 1.75% | 1.77% | 1.57% | 1.39% | -38 bps | |
| Efficiency Ratio | 85.72% | 88.09% | 92.88% | 73.94% | 75.81% | 75.24% | 89.82% | 103.12% | +2,917 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.45% | 0.03% | 2.82% | 4.79% | 2.60% | 0.75% | -6.80% | -10.04% | -1,484 bps | |
| Loan Growth (YoY) | 8.70% | 4.44% | -6.73% | -5.27% | -5.45% | 12.87% | 6.24% | 4.05% | +932 bps | |
| Share Growth (YoY) | -4.50% | -0.11% | 3.42% | 5.94% | 3.10% | 0.76% | -8.79% | -12.89% | -1,884 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.48% | 0.40% | 0.00% | 0 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 | 2.60% | 2.60% | 2.60% | 3.56% | 3.89% | 3.86% | 1.70% | 1.69% | -186 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.30% | 21.18% | 20.82% | 20.54% | 20.92% | 21.17% | 22.49% | 23.04% | +250 bps | |
| Net Worth / Assets | 21.30% | 21.18% | 20.82% | 20.54% | 20.92% | 21.17% | 22.49% | 23.04% | +250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.40% | 22.21% | 21.21% | 21.36% | 21.46% | 24.88% | 24.71% | 25.51% | +415 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 24894 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.27%
Rank 1,334 of 1,683
Net Interest Margin
1.40%
Rank 1,677 of 1,683
Efficiency Ratio
103.03%
Rank 1,581 of 1,682
Equity / Assets
23.03%
Rank 140 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.27% | 0.35% | 0.74% | 1.18% | Beats 21% | 1,334 / 1,683 | ||
| Return on Equity | 1.17% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,410 / 1,681 | ||
| Net Interest Margin | 1.40% | 3.31% | 3.82% | 4.32% | Beats 0% | 1,677 / 1,683 | ||
| Efficiency Ratio | 103.03% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,581 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.03% | 10.44% | 12.89% | 16.53% | Beats 92% | 140 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.03% | 10.44% | 12.89% | 16.53% | Beats 92% | 140 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 25.50% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,630 / 1,683 | ||
| Loans / Assets | 19.60% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,636 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||