Normal, IL · Charter 14972
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.48% | 0.77% | 0.42% | 0.66% | 0.49% | 0.61% | 0.72% | +30 bps | |
| Return on Equity | 7.50% | 4.54% | 7.00% | 3.70% | 5.60% | 4.17% | 5.24% | 6.07% | +237 bps | |
| Net Interest Margin | 3.02% | 2.70% | 3.41% | 2.93% | 3.10% | 2.92% | 3.41% | 3.36% | +43 bps | |
| Efficiency Ratio | 73.13% | 82.11% | 77.51% | 85.72% | 78.80% | 83.29% | 82.10% | 78.63% | -710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.75% | -5.51% | -2.14% | -3.85% | -6.14% | -5.11% | -1.62% | 0.90% | +476 bps | |
| Loan Growth (YoY) | -25.90% | -23.28% | -16.96% | -7.69% | 0.17% | 0.55% | 1.56% | -4.03% | +365 bps | |
| Share Growth (YoY) | -10.20% | -6.30% | -2.43% | -4.42% | -7.23% | -6.29% | -2.42% | 0.26% | +467 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.59% | 1.61% | 1.65% | 1.64% | 1.65% | 1.65% | 1.75% | 1.88% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.80% | 10.63% | 10.95% | 11.31% | 11.78% | 11.73% | 11.66% | 11.82% | +50 bps | |
| Net Worth / Assets | 10.80% | 10.63% | 10.95% | 11.31% | 11.78% | 11.73% | 11.66% | 11.82% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.94% | 70.16% | 70.70% | 73.88% | 75.51% | 75.28% | 73.58% | 70.72% | -316 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |