Monticello, FL · Charter 67341
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.99% | 0.87% | 0.75% | 0.50% | -35 bps | |
| Return on Equity | 5.77% | 6.75% | 5.94% | 5.31% | 3.58% | -218 bps | |
| Net Interest Margin | 4.24% | 4.13% | 4.08% | 4.03% | 3.95% | -29 bps | |
| Efficiency Ratio | 71.29% | 68.78% | 72.16% | 62.78% | 64.67% | -662 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.43% | 3.76% | 0.85% | 6.65% | 9.62% | +619 bps | |
| Loan Growth (YoY) | -0.01% | -1.64% | 0.11% | 0.45% | -3.83% | -381 bps | |
| Share Growth (YoY) | 2.52% | 3.34% | 0.13% | 6.89% | 10.99% | +847 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.73% | 14.69% | 14.62% | 14.10% | 13.91% | -82 bps | |
| Net Worth / Assets | 14.73% | 14.69% | 14.62% | 14.10% | 13.91% | -82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |