PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mea

Monticello, IL · Charter 65896

NCUA · 2 branches

Q2 2026

$806KAssets
$466KLoans
$732KShares
$74KNet 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 1.64%, up 3 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.13%, up 139 bps from a year ago.
  • Funding: loans stand at 63.58% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.64%+3 bps YoY

Net Interest Margin (quarter, annualized)

2.85%+13 bps YoY

Efficiency Ratio (quarter, annualized)

42.63%+168 bps YoY

Net Worth / Assets

9.13%+139 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.77%1.71%1.77%1.64%+3 bps
Return on Equity20.76%20.75%19.41%20.19%17.95%-281 bps
Net Interest Margin2.72%2.95%2.89%2.87%2.85%+13 bps
Efficiency Ratio40.95%39.92%52.57%38.53%42.63%+168 bps
Growth
Asset Growth (YoY)35.24%19.94%15.10%28.24%3.54%-3,170 bps
Loan Growth (YoY)32.67%19.74%4.56%14.44%-23.47%-5,613 bps
Share Growth (YoY)36.33%21.23%14.31%28.74%1.98%-3,435 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.19%0.21%0.22%0.23%0.25%+6 bps
Capital
Risk-Based Capital7.74%8.54%8.82%8.75%9.13%+139 bps
Net Worth / Assets7.74%8.54%8.82%8.75%9.13%+139 bps
Liquidity & Funding
Loans / Shares84.72%80.20%77.49%69.88%63.58%-2,114 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps