Mecu Limited offset a 20 basis point decline in its interest margin over the year to June 2012 to report a net profit of A$27.0 million, only $500,000 lower than the year before.Like most of the larger unlisted deposit-taking entities publicising their financial results at the end of the financial year, bankmecu published only its financial highlights. Its full financial report may not be available for another month.The Melbourne-based mutual, with $2.8 billion in assets, said it had increased lending by 4.5 per cent per cent and retail deposits by 10.7 per cent over the year.