PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Normal City Employees

Normal, IL · Charter 14972

NCUA · 1 branch

Q2 2026

$4.5MAssets
$2.8MLoans
$4.0MShares
$535KNet Worth

Executive Summary

  • Earnings: ROA of 0.72%, up 30 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.82%, up 50 bps from a year ago.
  • Funding: loans stand at 70.72% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.72%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+43 bps YoY

Efficiency Ratio (YTD, annualized)

78.63%-710 bps YoY

Net Worth / Assets

11.82%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.48%0.77%0.42%0.66%0.49%0.61%0.72%+30 bps
Return on Equity7.50%4.54%7.00%3.70%5.60%4.17%5.24%6.07%+237 bps
Net Interest Margin3.02%2.70%3.41%2.93%3.10%2.92%3.41%3.36%+43 bps
Efficiency Ratio73.13%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 / Loans0.49%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.59%1.61%1.65%1.64%1.65%1.65%1.75%1.88%+25 bps
Capital
Risk-Based Capital10.80%10.63%10.95%11.31%11.78%11.73%11.66%11.82%+50 bps
Net Worth / Assets10.80%10.63%10.95%11.31%11.78%11.73%11.66%11.82%+50 bps
Liquidity & Funding
Loans / Shares69.94%70.16%70.70%73.88%75.51%75.28%73.58%70.72%-316 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps