PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Monroe County Teachers

Key West, FL · Charter 7039

NCUA · 2 branches

Q2 2026

$24.0MAssets
$16.4MLoans
$21.6MShares
$2.3MNet 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 -1.97%, down 247 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 2.09% of loans (+63 bps YoY).
  • Capital: net worth / assets of 9.39%, down 47 bps from a year ago.
  • Funding: loans stand at 75.98% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.97%-247 bps YoY

Net Interest Margin (quarter, annualized)

3.14%-6 bps YoY

Efficiency Ratio (quarter, annualized)

107.93%+2,788 bps YoY

Net Worth / Assets

9.39%-47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.21%-0.12%-2.10%-1.97%-247 bps
Return on Equity5.03%2.17%-1.31%-22.24%-21.01%-2,603 bps
Net Interest Margin3.20%3.13%3.13%2.83%3.14%-6 bps
Efficiency Ratio80.06%81.92%86.72%122.07%107.93%+2,788 bps
Growth
Asset Growth (YoY)3.21%7.01%1.34%-6.52%-9.34%-1,255 bps
Loan Growth (YoY)1.66%-5.22%-9.11%-16.66%-15.32%-1,697 bps
Share Growth (YoY)3.56%7.63%1.66%-6.54%-9.03%-1,259 bps
Asset Quality
Delinquent Loans / Loans1.45%0.69%1.27%1.13%2.09%+63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.86%9.55%9.51%9.46%9.39%-47 bps
Net Worth / Assets9.86%9.55%9.51%9.46%9.39%-47 bps
Liquidity & Funding
Loans / Shares81.62%76.98%76.24%73.56%75.98%-564 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps