PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

MTC

Greenville, SC · Charter 22520

NCUA · 9 branches

Q2 2026

$302.6MAssets
$199.5MLoans
$259.3MShares
$38.5MNet 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 0.13%, down 7 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.90% of loans (-26 bps YoY).
  • Capital: net worth / assets of 12.73%, down 81 bps from a year ago.
  • Funding: loans stand at 76.95% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.13%-7 bps YoY

Net Interest Margin (quarter, annualized)

4.07%-18 bps YoY

Efficiency Ratio (quarter, annualized)

89.53%+253 bps YoY

Net Worth / Assets

12.73%-81 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.26%0.21%0.06%0.13%-7 bps
Return on Equity1.47%1.89%1.64%0.45%1.02%-44 bps
Net Interest Margin4.24%4.38%4.16%4.06%4.07%-18 bps
Efficiency Ratio86.99%86.61%87.46%90.70%89.53%+253 bps
Growth
Asset Growth (YoY)-0.63%-1.25%8.64%9.27%7.61%+825 bps
Loan Growth (YoY)2.31%6.31%8.64%13.55%17.28%+1,497 bps
Share Growth (YoY)2.09%2.57%9.88%10.72%10.83%+874 bps
Asset Quality
Delinquent Loans / Loans1.16%1.14%0.93%0.92%0.90%-26 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 Capital13.54%13.80%13.02%12.83%12.73%-81 bps
Net Worth / Assets13.54%13.80%13.02%12.83%12.73%-81 bps
Liquidity & Funding
Loans / Shares72.72%76.66%74.60%75.26%76.95%+423 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps