PackageTrendsPeer
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Monterey

Monterey, CA · Charter 97071

NCUA · 5 branches

Q2 2026

$360.5MAssets
$259.5MLoans
$296.4MShares
$31.6MNet 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 -0.18%, up 107 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.97% of loans (+36 bps YoY).
  • Capital: net worth / assets of 8.75%, down 58 bps from a year ago.
  • Funding: loans stand at 87.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.18%+107 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+66 bps YoY

Efficiency Ratio (YTD, annualized)

89.20%-3,372 bps YoY

Net Worth / Assets

8.75%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.25%-0.94%-0.79%-0.92%-0.18%+107 bps
Return on Equity-13.42%-10.17%-8.77%-10.60%-2.08%+1,134 bps
Net Interest Margin2.76%2.96%3.01%3.32%3.42%+66 bps
Efficiency Ratio122.93%113.43%108.18%106.64%89.20%-3,372 bps
Growth
Asset Growth (YoY)12.95%7.37%13.26%6.65%2.00%-1,095 bps
Loan Growth (YoY)20.08%14.52%15.73%13.55%3.40%-1,668 bps
Share Growth (YoY)8.17%4.67%10.47%9.11%-1.18%-935 bps
Asset Quality
Delinquent Loans / Loans0.61%0.72%1.06%0.99%0.97%+36 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 Capital9.33%9.27%9.05%8.70%8.75%-58 bps
Net Worth / Assets9.33%9.27%9.05%8.70%8.75%-58 bps
Liquidity & Funding
Loans / Shares83.66%80.95%81.31%81.26%87.54%+388 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps