PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mississippi DHS

Jackson, MS · Charter 8052

NCUA · 1 branch

Q2 2026

$10.5MAssets
$4.5MLoans
$9.0MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.57%, down 67 bps year over year; NIM at 4.57%.
  • Asset quality: problem loans at 1.79% of loans (+55 bps YoY).
  • Capital: net worth / assets of 13.22%, down 64 bps from a year ago.
  • Funding: loans stand at 50.28% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.57%-67 bps YoY

Net Interest Margin (quarter, annualized)

4.57%-52 bps YoY

Efficiency Ratio (quarter, annualized)

104.82%+889 bps YoY

Net Worth / Assets

13.22%-64 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.06%-0.02%-0.71%-0.57%-67 bps
Return on Equity0.73%0.41%-0.11%-5.33%-4.28%-501 bps
Net Interest Margin5.09%5.15%5.07%4.55%4.57%-52 bps
Efficiency Ratio95.93%94.84%95.48%107.44%104.82%+889 bps
Growth
Asset Growth (YoY)2.55%-2.39%-1.55%0.79%2.19%-36 bps
Loan Growth (YoY)-1.61%0.92%0.79%5.13%-1.54%+7 bps
Share Growth (YoY)2.57%-3.10%-1.83%1.09%2.99%+42 bps
Asset Quality
Delinquent Loans / Loans1.24%1.31%0.17%0.86%1.79%+55 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 Capital13.86%14.10%13.93%13.28%13.22%-64 bps
Net Worth / Assets13.86%14.10%13.93%13.28%13.22%-64 bps
Liquidity & Funding
Loans / Shares52.60%56.84%55.47%50.29%50.28%-231 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps