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 | |