Meridian, MS · Charter 8433
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
27
Profitability
37
Liquidity
48
Efficiency
24
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Meridian, MS · Charter 8433
NCUA · 2 branches
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 | 0.78% | 0.72% | -0.15% | 0.09% | 0.67% | 0.67% | 0.33% | 0.69% | +61 bps | |
| Return on Equity | 5.50% | 5.20% | -1.09% | 0.67% | 5.12% | 5.39% | 2.67% | 5.56% | +489 bps | |
| Net Interest Margin | 3.09% | 3.02% | 3.20% | 3.11% | 3.10% | 2.94% | 3.03% | 3.08% | -2 bps | |
| Efficiency Ratio | 80.20% | 80.31% | 92.89% | 91.60% | 82.73% | 81.61% | 92.69% | 87.33% | -427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.62% | 3.98% | 4.14% | 12.39% | 14.55% | 18.04% | 16.94% | 11.79% | -60 bps | |
| Loan Growth (YoY) | 30.50% | 21.21% | 11.67% | 8.80% | 10.92% | 12.15% | 16.25% | 14.49% | +569 bps | |
| Share Growth (YoY) | 2.96% | 3.96% | 5.47% | 14.00% | 15.81% | 19.17% | 17.56% | 11.92% | -209 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 1.77% | 0.72% | 1.64% | 1.26% | 0.82% | 0.96% | 1.19% | -45 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.21% | 13.88% | 13.45% | 12.83% | 13.08% | 12.43% | 12.27% | 12.43% | -39 bps | |
| Net Worth / Assets | 14.21% | 13.88% | 13.45% | 12.83% | 13.08% | 12.43% | 12.27% | 12.43% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.26% | 55.10% | 53.60% | 52.37% | 53.88% | 51.86% | 53.00% | 53.57% | +121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Meridian, MS · Charter 8433 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.69%
Rank 895 of 1,683
Net Interest Margin
3.08%
Rank 1,401 of 1,683
Efficiency Ratio
87.32%
Rank 1,278 of 1,682
Equity / Assets
12.43%
Rank 924 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 895 / 1,683 | ||
| Return on Equity | 5.56% | 2.67% | 5.89% | 8.74% | Beats 47% | 889 / 1,681 | ||
| Net Interest Margin | 3.08% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,401 / 1,683 | ||
| Efficiency Ratio | 87.32% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,278 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.20% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,226 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.43% | 10.44% | 12.89% | 16.53% | Beats 45% | 924 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.43% | 10.44% | 12.89% | 16.53% | Beats 45% | 924 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.58% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,245 / 1,683 | ||
| Loans / Assets | 47.12% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,195 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||