Peoria, IL · Charter 4025
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.76% | 0.92% | 0.55% | 0.61% | 0.16% | -0.09% | 0.48% | -7 bps | |
| Return on Equity | 1.22% | 2.59% | 3.09% | 1.85% | 1.95% | 0.54% | -0.31% | 1.56% | -28 bps | |
| Net Interest Margin | 5.74% | 6.13% | 6.35% | 6.03% | 6.34% | 6.24% | 5.86% | 6.00% | -3 bps | |
| Efficiency Ratio | 85.65% | 82.09% | 85.06% | 87.35% | 88.94% | 87.29% | 98.32% | 87.73% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.57% | -7.14% | -10.89% | -7.99% | -8.88% | -3.19% | 0.49% | -1.97% | +602 bps | |
| Loan Growth (YoY) | 6.48% | -3.24% | -1.85% | -7.51% | -5.26% | -8.52% | -11.85% | -9.82% | -231 bps | |
| Share Growth (YoY) | -6.99% | -10.70% | -15.77% | -11.82% | -13.53% | -4.73% | 0.83% | -2.98% | +884 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.21% | 0.00% | 2.43% | 6.27% | 6.03% | 6.42% | 6.59% | +416 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 | 1.00% | 1.00% | 1.18% | 1.45% | 1.38% | 1.10% | 1.32% | 1.58% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.73% | 29.40% | 29.75% | 30.07% | 31.41% | 30.53% | 29.51% | 30.80% | +72 bps | |
| Net Worth / Assets | 27.73% | 29.40% | 29.75% | 30.07% | 31.41% | 30.53% | 29.51% | 30.80% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.79% | 70.79% | 69.28% | 66.72% | 74.26% | 67.97% | 60.57% | 62.02% | -471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |