Lawrenceville, IL · Charter 567
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 | 0.81% | 0.71% | 0.65% | 0.40% | 0.63% | -18 bps | |
| Return on Equity | 8.57% | 7.39% | 6.90% | 4.12% | 6.37% | -220 bps | |
| Net Interest Margin | 3.33% | 3.36% | 3.42% | 3.42% | 3.50% | +17 bps | |
| Efficiency Ratio | 80.03% | 82.64% | 84.34% | 90.16% | 84.71% | +468 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.42% | 2.10% | 4.47% | 1.11% | 1.85% | -56 bps | |
| Loan Growth (YoY) | -18.92% | -24.68% | -25.21% | -30.54% | -26.84% | -793 bps | |
| Share Growth (YoY) | 1.92% | 4.54% | 4.22% | 0.72% | 1.42% | -50 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.38% | 0.47% | 0.49% | 0.16% | +8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.49% | 9.64% | 9.40% | 9.60% | 9.90% | +40 bps | |
| Net Worth / Assets | 9.49% | 9.64% | 9.40% | 9.60% | 9.90% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.59% | 21.01% | 18.52% | 16.18% | 16.29% | -630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |