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M. C. T.

Amsterdam, NY · Charter 13766

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in NY3

Basis

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.

Peer group

Credit unions under $1B in assets in NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

98

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

M. C. T.

Amsterdam, NY · Charter 13766

NCUA · 1 branch

Q2 2026

$73.3MAssets
$7.4MLoans
$61.8MShares
$10.6MNet 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 1.94%, down 10 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.41% of loans (+20 bps YoY).
  • Capital: net worth / assets of 14.43%, up 30 bps from a year ago.
  • Funding: loans stand at 12.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.94%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-3 bps YoY

Efficiency Ratio (YTD, annualized)

44.06%+95 bps YoY

Net Worth / Assets

14.43%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%2.11%2.06%1.96%1.94%-10 bps
Return on Equity14.39%14.34%13.73%12.93%13.42%-97 bps
Net Interest Margin3.37%3.46%3.42%3.37%3.34%-3 bps
Efficiency Ratio43.11%41.68%41.97%44.69%44.06%+95 bps
Growth
Asset Growth (YoY)3.17%5.65%6.07%5.13%5.31%+214 bps
Loan Growth (YoY)-11.86%-13.90%-15.42%-17.60%-16.26%-440 bps
Share Growth (YoY)1.56%4.25%4.59%3.35%3.53%+197 bps
Asset Quality
Delinquent Loans / Loans0.21%0.39%0.48%0.57%0.41%+20 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 Capital14.12%14.73%15.02%15.19%14.43%+30 bps
Net Worth / Assets14.12%14.73%15.02%15.19%14.43%+30 bps
Liquidity & Funding
Loans / Shares14.89%14.75%13.84%12.65%12.04%-285 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

M. C. T.

Amsterdam, NY · Charter 13766 · Peer group: credit unions under $1B in assets in NY (n=59)

NCUA · 1 branch

Q2 2026

$73.3MAssets
$7.4MLoans
$61.8MShares
$10.6MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of credit unions under $1B in assets in NY (rank 2 of 59).
  • Widest gap: net interest margin trails 71% of credit unions under $1B in assets in NY (rank 42 of 59).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.93%

Rank 4 of 59

Net Interest Margin

3.34%

Rank 42 of 59

Efficiency Ratio

44.02%

Rank 2 of 59

Equity / Assets

14.42%

Rank 23 of 59

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.93%0.28%1.01%1.42%Beats 93%4 / 59
Return on Equity13.41%2.31%7.92%10.52%Beats 92%5 / 59
Net Interest Margin3.34%3.24%3.66%4.04%Beats 29%42 / 59
Efficiency Ratio44.02%63.53%74.15%82.44%Beats 98%2 / 59
Asset Quality
Nonperforming Loans / Loans0.40%0.32%0.68%1.20%Beats 71%18 / 59
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.42%10.94%13.05%16.06%Beats 61%23 / 59
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.42%10.94%13.05%16.06%Beats 61%23 / 59
Liquidity & Funding
Loans / Deposits12.04%40.49%57.59%78.86%0th pctl59 / 59
Loans / Assets10.16%33.06%50.92%63.03%0th pctl59 / 59
Brokered Deposits / Depositsn/aNot reported for this institution