Dekalb, IL · Charter 19708
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.78% | 1.61% | 1.51% | 1.48% | 1.79% | +2 bps | |
| Return on Equity | 13.72% | 12.42% | 11.33% | 10.69% | 12.24% | -147 bps | |
| Net Interest Margin | 5.60% | 5.53% | 5.57% | 5.70% | 5.84% | +24 bps | |
| Efficiency Ratio | 63.85% | 64.28% | 65.80% | 73.26% | 69.39% | +555 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.47% | 6.97% | 7.16% | 4.48% | -1.05% | -352 bps | |
| Loan Growth (YoY) | 9.39% | 16.36% | 11.83% | 10.02% | 4.08% | -531 bps | |
| Share Growth (YoY) | -5.93% | -2.45% | 2.18% | 2.56% | 4.01% | +994 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.08% | 0.78% | 1.33% | 0.29% | 1.01% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.95% | 12.98% | 13.35% | 13.86% | 14.65% | +169 bps | |
| Net Worth / Assets | 12.95% | 12.98% | 13.35% | 13.86% | 14.65% | +169 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.97% | 115.47% | 108.22% | 106.82% | 109.05% | +7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |