Meridian Mutual
Meridian, MS · Charter 8433 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$71.2MAssets
$33.5MLoans
$62.6MShares
$8.9MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 47% of credit unions under $1B in assets (rank 895 of 1683).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets (rank 1401 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 | 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 |