PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northern Illinois

Dekalb, IL · Charter 19708

NCUA · 1 branch

Q2 2026

$18.0MAssets
$16.5MLoans
$15.1MShares
$2.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.79%, up 2 bps year over year; NIM at 5.84%.
  • Asset quality: problem loans at 1.01% of loans (-8 bps YoY).
  • Capital: net worth / assets of 14.65%, up 169 bps from a year ago.
  • Funding: loans stand at 109.05% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.79%+2 bps YoY

Net Interest Margin (YTD, annualized)

5.84%+24 bps YoY

Efficiency Ratio (YTD, annualized)

69.39%+555 bps YoY

Net Worth / Assets

14.65%+169 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.26%2.25%2.17%1.78%1.61%1.51%1.48%1.79%+2 bps
Return on Equity18.74%17.72%16.69%13.72%12.42%11.33%10.69%12.24%-147 bps
Net Interest Margin5.46%5.57%5.68%5.60%5.53%5.57%5.70%5.84%+24 bps
Efficiency Ratio62.21%62.62%61.17%63.85%64.28%65.80%73.26%69.39%+555 bps
Growth
Asset Growth (YoY)-8.80%-6.44%-2.64%2.47%6.97%7.16%4.48%-1.05%-352 bps
Loan Growth (YoY)5.58%6.35%8.56%9.39%16.36%11.83%10.02%4.08%-531 bps
Share Growth (YoY)-13.60%-8.38%-5.52%-5.93%-2.45%2.18%2.56%4.01%+994 bps
Asset Quality
Delinquent Loans / Loans1.52%1.05%0.94%1.08%0.78%1.33%0.29%1.01%-8 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 Capital12.05%12.68%13.03%12.95%12.98%13.35%13.86%14.65%+169 bps
Net Worth / Assets12.05%12.68%13.03%12.95%12.98%13.35%13.86%14.65%+169 bps
Liquidity & Funding
Loans / Shares96.81%98.88%99.58%108.97%115.47%108.22%106.82%109.05%+7 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps