PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Monroe Community

Monroe, MI · Charter 61748

NCUA · 6 branches

Q2 2026

$406.4MAssets
$276.4MLoans
$355.2MShares
$46.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.48%, up 23 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.20% of loans (-4 bps YoY).
  • Capital: net worth / assets of 11.43%, up 118 bps from a year ago.
  • Funding: loans stand at 77.79% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.48%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.91%+44 bps YoY

Efficiency Ratio (quarter, annualized)

69.44%-169 bps YoY

Net Worth / Assets

11.43%+118 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.25%1.03%1.24%1.38%1.51%1.44%1.48%+23 bps
Return on Equity11.90%12.14%10.23%12.13%12.76%13.64%12.95%12.93%+81 bps
Net Interest Margin3.30%3.32%3.33%3.47%3.63%3.64%3.78%3.91%+44 bps
Efficiency Ratio70.59%70.03%74.93%71.13%70.32%68.53%69.64%69.44%-169 bps
Growth
Asset Growth (YoY)7.01%7.44%7.68%8.73%6.53%7.63%5.40%4.19%-454 bps
Loan Growth (YoY)14.42%13.04%10.01%4.92%4.78%6.95%9.75%12.94%+803 bps
Share Growth (YoY)4.93%6.37%5.96%6.87%4.59%5.30%3.72%2.41%-446 bps
Asset Quality
Delinquent Loans / Loans0.21%0.23%0.26%0.24%0.21%0.18%0.18%0.20%-4 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 Capital10.04%10.29%10.05%10.25%10.79%11.05%11.10%11.43%+118 bps
Net Worth / Assets10.04%10.29%10.05%10.25%10.79%11.05%11.10%11.43%+118 bps
Liquidity & Funding
Loans / Shares73.69%73.13%69.59%70.54%73.82%74.28%73.64%77.79%+725 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps