PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

M.P.D. Community

Nashville, TN · Charter 67979

NCUA · 1 branch

Q2 2026

$41.0MAssets
$23.5MLoans
$36.2MShares
$4.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.80%, up 3 bps year over year; NIM at 4.64%.
  • Asset quality: problem loans at 0.79% of loans (+13 bps YoY).
  • Capital: net worth / assets of 11.25%, up 10 bps from a year ago.
  • Funding: loans stand at 64.90% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.80%+3 bps YoY

Net Interest Margin (quarter, annualized)

4.64%+7 bps YoY

Efficiency Ratio (quarter, annualized)

84.71%+552 bps YoY

Net Worth / Assets

11.25%+10 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%1.01%0.84%0.77%0.93%0.91%1.13%0.80%+3 bps
Return on Equity7.32%9.03%7.52%6.94%8.19%8.06%9.97%7.12%+17 bps
Net Interest Margin4.36%4.49%4.38%4.57%4.68%4.64%4.72%4.64%+7 bps
Efficiency Ratio81.28%76.40%80.26%79.20%76.89%76.70%82.12%84.71%+552 bps
Growth
Asset Growth (YoY)-0.60%1.75%1.11%4.44%5.01%7.41%7.85%7.42%+298 bps
Loan Growth (YoY)1.25%0.04%-3.49%-8.13%-7.20%-8.29%-5.63%-1.34%+680 bps
Share Growth (YoY)-1.14%1.17%1.67%4.04%4.40%6.96%6.10%7.28%+323 bps
Asset Quality
Delinquent Loans / Loans0.07%0.14%0.12%0.66%1.05%1.08%0.60%0.79%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.83%11.20%11.21%11.14%11.37%11.30%11.33%11.25%+10 bps
Net Worth / Assets10.83%11.20%11.21%11.14%11.37%11.30%11.33%11.25%+10 bps
Liquidity & Funding
Loans / Shares78.56%79.16%73.77%70.57%69.83%67.87%65.62%64.90%-567 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps