PackageTrendsPeer
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Meridian Mutual

Meridian, MS · Charter 8433

NCUA · 2 branches

Q2 2026

$71.2MAssets
$33.5MLoans
$62.6MShares
$8.9MNet 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 0.69%, up 61 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 1.19% of loans (-45 bps YoY).
  • Capital: net worth / assets of 12.43%, down 39 bps from a year ago.
  • Funding: loans stand at 53.57% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%+61 bps YoY

Net Interest Margin (YTD, annualized)

3.08%-2 bps YoY

Efficiency Ratio (YTD, annualized)

87.33%-427 bps YoY

Net Worth / Assets

12.43%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.67%0.67%0.33%0.69%+61 bps
Return on Equity0.67%5.12%5.39%2.67%5.56%+489 bps
Net Interest Margin3.11%3.10%2.94%3.03%3.08%-2 bps
Efficiency Ratio91.60%82.73%81.61%92.69%87.33%-427 bps
Growth
Asset Growth (YoY)12.39%14.55%18.04%16.94%11.79%-60 bps
Loan Growth (YoY)8.80%10.92%12.15%16.25%14.49%+569 bps
Share Growth (YoY)14.00%15.81%19.17%17.56%11.92%-209 bps
Asset Quality
Delinquent Loans / Loans1.64%1.26%0.82%0.96%1.19%-45 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 Capital12.83%13.08%12.43%12.27%12.43%-39 bps
Net Worth / Assets12.83%13.08%12.43%12.27%12.43%-39 bps
Liquidity & Funding
Loans / Shares52.37%53.88%51.86%53.00%53.57%+121 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps