Geneva, IL · Charter 24039
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.05% | 0.26% | 0.06% | 0.10% | 0.04% | 0.25% | 0.20% | +14 bps | |
| Return on Equity | 0.58% | 0.58% | 3.25% | 0.77% | 1.39% | 0.51% | 3.43% | 2.73% | +195 bps | |
| Net Interest Margin | 5.54% | 5.54% | 5.03% | 5.29% | 4.84% | 5.30% | 4.69% | 4.67% | -62 bps | |
| Efficiency Ratio | 88.42% | 90.56% | 89.71% | 90.55% | 87.20% | 90.64% | 95.36% | 95.83% | +528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.57% | -1.90% | 4.31% | 6.95% | 22.30% | 10.29% | 7.62% | 7.92% | +97 bps | |
| Loan Growth (YoY) | 0.80% | -5.88% | 2.11% | 3.35% | 11.44% | 10.06% | 1.66% | 0.46% | -289 bps | |
| Share Growth (YoY) | -2.28% | -1.85% | 4.67% | 7.98% | 24.55% | 11.55% | 8.26% | 8.20% | +22 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.39% | 0.49% | 0.64% | 0.45% | 0.49% | 0.50% | 0.52% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.47% | 8.39% | 7.94% | 7.84% | 7.01% | 7.65% | 7.42% | 7.37% | -47 bps | |
| Net Worth / Assets | 8.47% | 8.39% | 7.94% | 7.84% | 7.01% | 7.65% | 7.42% | 7.37% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.41% | 75.89% | 74.93% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |