PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Montcalm Public Employees

Edmore, MI · Charter 61999

NCUA · 1 branch

Q2 2026

$26.9MAssets
$7.0MLoans
$22.3MShares
$4.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.30%, up 4 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 1.19% of loans (-129 bps YoY).
  • Capital: net worth / assets of 16.88%, down 7 bps from a year ago.
  • Funding: loans stand at 31.46% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.30%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+17 bps YoY

Efficiency Ratio (YTD, annualized)

60.73%-169 bps YoY

Net Worth / Assets

16.88%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.33%1.18%1.27%0.84%0.97%1.37%1.30%+4 bps
Return on Equity8.29%7.86%7.04%7.48%5.00%5.75%8.34%7.72%+24 bps
Net Interest Margin3.03%3.09%3.02%3.08%3.16%3.12%3.19%3.25%+17 bps
Efficiency Ratio59.52%59.98%64.35%62.42%60.80%60.01%60.54%60.73%-169 bps
Growth
Asset Growth (YoY)3.47%0.57%-1.15%1.69%2.60%7.44%9.32%7.43%+574 bps
Loan Growth (YoY)3.97%2.33%-4.44%-3.46%-2.74%-6.77%-3.43%-7.88%-442 bps
Share Growth (YoY)2.58%-0.87%-2.83%0.48%1.98%7.53%9.75%7.53%+705 bps
Asset Quality
Delinquent Loans / Loans2.04%2.82%2.41%2.48%2.02%2.12%1.38%1.19%-129 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 Capital16.41%16.92%16.77%16.96%16.91%16.82%16.44%16.88%-7 bps
Net Worth / Assets16.41%16.92%16.77%16.96%16.91%16.82%16.44%16.88%-7 bps
Liquidity & Funding
Loans / Shares37.47%38.82%36.10%36.72%35.74%33.65%31.77%31.46%-526 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps