Mississippi College Employees
Clinton, MS · Charter 24895 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$2.1MAssets
$551KLoans
$1.5MShares
$522KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets (rank 95 of 1683).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets (rank 1660 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.49%
Rank 1,151 of 1,683
Net Interest Margin
3.01%
Rank 1,450 of 1,683
Efficiency Ratio
87.10%
Rank 1,269 of 1,682
Equity / Assets
25.38%
Rank 95 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,151 / 1,683 | | |
| Return on Equity | 1.92% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,354 / 1,681 | | |
| Net Interest Margin | 3.01% | 3.31% | 3.82% | 4.32% | Beats 14% | 1,450 / 1,683 | | |
| Efficiency Ratio | 87.10% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,269 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 7.44% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,660 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 25.38% | 10.44% | 12.89% | 16.53% | Beats 94% | 95 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 25.38% | 10.44% | 12.89% | 16.53% | Beats 94% | 95 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 36.18% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,545 / 1,683 | | |
| Loans / Assets | 26.79% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,581 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |