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 | |