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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.89%1.87%1.94%2.03%2.11%2.06%1.96%1.94%-10 bps
Return on Equity14.05%13.57%14.04%14.39%14.34%13.73%12.93%13.42%-97 bps
Net Interest Margin3.45%3.40%3.30%3.37%3.46%3.42%3.37%3.34%-3 bps
Efficiency Ratio47.70%47.74%44.47%43.11%41.68%41.97%44.69%44.06%+95 bps
Growth
Asset Growth (YoY)-2.67%-0.98%1.58%3.17%5.65%6.07%5.13%5.31%+214 bps
Loan Growth (YoY)-1.39%-5.91%-7.75%-11.86%-13.90%-15.42%-17.60%-16.26%-440 bps
Share Growth (YoY)-5.13%-3.15%-0.21%1.56%4.25%4.59%3.35%3.53%+197 bps
Asset Quality
Delinquent Loans / Loans0.08%0.09%0.20%0.21%0.39%0.48%0.57%0.41%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.42%13.75%13.81%14.12%14.73%15.02%15.19%14.43%+30 bps
Net Worth / Assets13.42%13.75%13.81%14.12%14.73%15.02%15.19%14.43%+30 bps
Liquidity & Funding
Loans / Shares17.86%17.12%15.87%14.89%14.75%13.84%12.65%12.04%-285 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps