PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

N.I.C.E.

Geneva, IL · Charter 24039

NCUA · 1 branch

Q2 2026

$2.6MAssets
$1.7MLoans
$2.4MShares
$195KNet Worth

Executive Summary

  • Earnings: ROA of 0.20%, up 14 bps year over year; NIM at 4.67%.
  • Asset quality: problem loans at 0.00% of loans (-237 bps YoY).
  • Capital: net worth / assets of 7.37%, down 47 bps from a year ago.
  • Funding: loans stand at 68.41% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.20%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.67%-62 bps YoY

Efficiency Ratio (YTD, annualized)

95.83%+528 bps YoY

Net Worth / Assets

7.37%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.05%0.26%0.06%0.10%0.04%0.25%0.20%+14 bps
Return on Equity0.58%0.58%3.25%0.77%1.39%0.51%3.43%2.73%+195 bps
Net Interest Margin5.54%5.54%5.03%5.29%4.84%5.30%4.69%4.67%-62 bps
Efficiency Ratio88.42%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 / Loans0.56%0.00%0.00%2.37%0.28%0.23%0.00%0.00%-237 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.40%0.39%0.49%0.64%0.45%0.49%0.50%0.52%-12 bps
Capital
Risk-Based Capital8.47%8.39%7.94%7.84%7.01%7.65%7.42%7.37%-47 bps
Net Worth / Assets8.47%8.39%7.94%7.84%7.01%7.65%7.42%7.37%-47 bps
Liquidity & Funding
Loans / Shares76.41%75.89%74.93%73.68%68.36%74.87%70.36%68.41%-527 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps