PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mississippi Public Employees

Jackson, MS · Charter 24976

NCUA · 1 branch

Q2 2026

$29.2MAssets
$7.7MLoans
$24.3MShares
$5.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.75%, up 51 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 0.10% of loans (-44 bps YoY).
  • Capital: net worth / assets of 18.15%, up 239 bps from a year ago.
  • Funding: loans stand at 31.81% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.75%+51 bps YoY

Net Interest Margin (quarter, annualized)

4.55%-1 bps YoY

Efficiency Ratio (quarter, annualized)

74.23%-465 bps YoY

Net Worth / Assets

18.15%+239 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.37%1.49%1.37%1.75%+51 bps
Return on Equity7.87%8.25%8.68%8.00%9.63%+176 bps
Net Interest Margin4.57%4.72%4.73%4.25%4.55%-1 bps
Efficiency Ratio78.88%77.18%75.89%78.08%74.23%-465 bps
Growth
Asset Growth (YoY)n/an/an/an/a-4.21%n/an/a
Loan Growth (YoY)n/an/an/an/a-12.60%n/an/a
Share Growth (YoY)n/an/an/an/a-4.37%n/an/a
Asset Quality
Delinquent Loans / Loans0.55%0.83%0.94%0.72%0.10%-44 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 Capital15.75%16.59%17.13%17.13%18.15%+239 bps
Net Worth / Assets15.75%16.59%17.13%17.13%18.15%+239 bps
Liquidity & Funding
Loans / Shares34.80%35.63%36.25%32.43%31.81%-300 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps