Monticello, FL · Charter 67341
NCUA · 1 branch
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
59
Asset Quality
41
Profitability
41
Liquidity
76
Efficiency
83
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, FL · Charter 67341
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.94% | 0.87% | 0.85% | 0.99% | 0.87% | 0.75% | 0.50% | -35 bps | |
| Return on Equity | 3.94% | 6.66% | 6.03% | 5.77% | 6.75% | 5.94% | 5.31% | 3.58% | -218 bps | |
| Net Interest Margin | 3.76% | 3.69% | 4.07% | 4.24% | 4.13% | 4.08% | 4.03% | 3.95% | -29 bps | |
| Efficiency Ratio | 59.92% | 65.96% | 72.25% | 71.29% | 68.78% | 72.16% | 62.78% | 64.67% | -662 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.93% | 11.45% | 7.19% | 3.43% | 3.76% | 0.85% | 6.65% | 9.62% | +619 bps | |
| Loan Growth (YoY) | 10.04% | 6.41% | 0.75% | -0.01% | -1.64% | 0.11% | 0.45% | -3.83% | -381 bps | |
| Share Growth (YoY) | 8.30% | 12.18% | 7.29% | 2.52% | 3.34% | 0.13% | 6.89% | 10.99% | +847 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.28% | 3.74% | 2.19% | 5.79% | 4.30% | 4.73% | 2.32% | 0.85% | -494 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.55% | 14.08% | 14.39% | 14.73% | 14.69% | 14.62% | 14.10% | 13.91% | -82 bps | |
| Net Worth / Assets | 14.55% | 14.08% | 14.39% | 14.73% | 14.69% | 14.62% | 14.10% | 13.91% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.87% | 83.38% | 83.43% | 86.39% | 81.73% | 83.37% | 78.40% | 74.86% | -1,153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Monticello, FL · Charter 67341 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.50%
Rank 1,135 of 1,683
Net Interest Margin
3.95%
Rank 711 of 1,683
Efficiency Ratio
64.79%
Rank 290 of 1,682
Equity / Assets
13.91%
Rank 686 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,135 / 1,683 | ||
| Return on Equity | 3.60% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,139 / 1,681 | ||
| Net Interest Margin | 3.95% | 3.31% | 3.82% | 4.32% | Beats 58% | 711 / 1,683 | ||
| Efficiency Ratio | 64.79% | 68.91% | 78.20% | 86.93% | Beats 83% | 290 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.26% | 0.65% | 1.29% | Beats 41% | 989 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 686 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.91% | 10.44% | 12.89% | 16.53% | Beats 59% | 686 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.86% | 52.61% | 69.38% | 83.50% | 60th pctl | 677 / 1,683 | ||
| Loans / Assets | 64.36% | 44.71% | 59.18% | 70.72% | 61st pctl | 648 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||