Rantoul, IL · Charter 24751
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 | 0.81% | 0.76% | 1.19% | 1.24% | 1.04% | 1.09% | 2.32% | 2.02% | +78 bps | |
| Return on Equity | 4.40% | 4.25% | 6.73% | 6.93% | 5.81% | 5.97% | 12.81% | 11.01% | +408 bps | |
| Net Interest Margin | 4.91% | 4.81% | 5.13% | 5.24% | 5.36% | 5.55% | 5.58% | 5.72% | +47 bps | |
| Efficiency Ratio | 73.73% | 72.81% | 80.15% | 75.35% | 74.59% | 75.57% | 66.72% | 66.38% | -897 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.15% | 1.77% | 2.73% | 3.44% | 6.98% | 3.74% | 4.65% | 5.40% | +196 bps | |
| Loan Growth (YoY) | 7.96% | 7.92% | 11.15% | 9.97% | 5.31% | 4.35% | 1.10% | 1.51% | -847 bps | |
| Share Growth (YoY) | 4.71% | 2.03% | 2.83% | 3.28% | 7.86% | 3.35% | 4.29% | 4.89% | +162 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.16% | 0.30% | 0.32% | 0.30% | 0.40% | 0.20% | 0.51% | +19 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.35% | 17.93% | 17.70% | 17.94% | 17.92% | 18.23% | 18.12% | 18.35% | +40 bps | |
| Net Worth / Assets | 18.35% | 17.93% | 17.70% | 17.94% | 17.92% | 18.23% | 18.12% | 18.35% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.22% | 97.68% | 96.91% | 96.66% | 95.89% | 98.62% | 93.95% | 93.54% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |