Monticello, MS · Charter 18515
NCUA · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
16
Asset Quality
5
Profitability
37
Liquidity
48
Efficiency
18
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.
Monticello, MS · Charter 18515
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.07% | -0.46% | -0.46% | 0.29% | -0.05% | +102 bps | |
| Return on Equity | -10.89% | -4.69% | -4.74% | 2.94% | -0.50% | +1,038 bps | |
| Net Interest Margin | 4.35% | 4.41% | 4.59% | 4.65% | 4.93% | +59 bps | |
| Efficiency Ratio | 87.22% | 87.95% | 89.80% | 90.23% | 89.81% | +260 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.77% | 3.32% | -5.70% | 1.13% | 0.18% | -259 bps | |
| Loan Growth (YoY) | 4.77% | 6.73% | 0.68% | 7.15% | 7.43% | +266 bps | |
| Share Growth (YoY) | 4.85% | 4.52% | 0.19% | 1.00% | -1.88% | -674 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.02% | 3.05% | 4.76% | 2.57% | 3.79% | -22 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.78% | 9.91% | 9.79% | 9.70% | 9.63% | -16 bps | |
| Net Worth / Assets | 9.78% | 9.91% | 9.79% | 9.70% | 9.63% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.20% | 74.72% | 75.63% | 76.75% | 81.23% | +704 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Monticello, MS · Charter 18515 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
-0.05%
Rank 1,502 of 1,683
Net Interest Margin
4.93%
Rank 158 of 1,683
Efficiency Ratio
89.81%
Rank 1,378 of 1,682
Equity / Assets
9.63%
Rank 1,408 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,502 / 1,683 | |
| Return on Equity | -0.51% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,506 / 1,681 | |
| Net Interest Margin | 4.93% | 3.31% | 3.82% | 4.32% | Beats 91% | 158 / 1,683 | |
| Efficiency Ratio | 89.81% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,378 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.79% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,593 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.63% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,408 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.63% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,408 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.23% | 52.61% | 69.38% | 83.50% | 72nd pctl | 477 / 1,683 | |
| Loans / Assets | 71.64% | 44.71% | 59.18% | 70.72% | 77th pctl | 390 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||