Geneva, IL · Charter 24039
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.10% | 0.04% | 0.25% | 0.20% | +14 bps | |
| Return on Equity | 0.77% | 1.39% | 0.51% | 3.43% | 2.73% | +195 bps | |
| Net Interest Margin | 5.29% | 4.84% | 5.30% | 4.69% | 4.67% | -62 bps | |
| Efficiency Ratio | 90.55% | 87.20% | 90.64% | 95.36% | 95.83% | +528 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.95% | 22.30% | 10.29% | 7.62% | 7.92% | +97 bps | |
| Loan Growth (YoY) | 3.35% | 11.44% | 10.06% | 1.66% | 0.46% | -289 bps | |
| Share Growth (YoY) | 7.98% | 24.55% | 11.55% | 8.26% | 8.20% | +22 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.37% | 0.28% | 0.23% | 0.00% | 0.00% | -237 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.45% | 0.49% | 0.50% | 0.52% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.84% | 7.01% | 7.65% | 7.42% | 7.37% | -47 bps | |
| Net Worth / Assets | 7.84% | 7.01% | 7.65% | 7.42% | 7.37% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.68% | 68.36% | 74.87% | 70.36% | 68.41% | -527 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |