PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Joliet Municipal Employees

Joliet, IL · Charter 16437

NCUA · 1 branch

Q2 2026

$11.1MAssets
$6.3MLoans
$9.9MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.64%, down 1 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 2.08% of loans (+152 bps YoY).
  • Capital: net worth / assets of 11.12%, up 48 bps from a year ago.
  • Funding: loans stand at 63.41% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.64%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.25%+29 bps YoY

Efficiency Ratio (quarter, annualized)

77.07%-135 bps YoY

Net Worth / Assets

11.12%+48 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.18%-0.36%0.61%0.65%0.60%0.52%1.05%0.64%-1 bps
Return on Equity-1.74%-3.61%5.76%6.13%5.64%4.74%9.54%5.80%-33 bps
Net Interest Margin2.18%2.20%2.87%2.96%2.90%3.14%3.50%3.25%+29 bps
Efficiency Ratio98.32%102.03%79.18%78.41%79.94%81.07%70.89%77.07%-135 bps
Growth
Asset Growth (YoY)9.10%7.19%-6.08%-3.54%-0.91%-5.13%1.81%0.31%+385 bps
Loan Growth (YoY)-10.33%-10.31%-10.75%-14.29%-14.45%-15.36%-15.26%-14.54%-24 bps
Share Growth (YoY)10.42%5.05%-6.48%-3.96%-1.21%-2.57%1.29%-0.35%+362 bps
Asset Quality
Delinquent Loans / Loans1.08%0.91%0.84%0.56%0.77%0.28%0.62%2.08%+152 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.25%9.92%10.61%10.64%10.56%10.98%11.05%11.12%+48 bps
Net Worth / Assets10.25%9.92%10.61%10.64%10.56%10.98%11.05%11.12%+48 bps
Liquidity & Funding
Loans / Shares78.80%79.44%78.09%73.94%68.24%69.01%65.34%63.41%-1,053 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps