PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

1.94%-10 bps YoY

Net Interest Margin (quarter, annualized)

3.34%-3 bps YoY

Efficiency Ratio (quarter, annualized)

44.06%+95 bps YoY

Net Worth / Assets

14.43%+30 bps YoY

Discrete quarter, annualized.

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