Quincy, IL · Charter 60095
NCUA · 3 branches
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 | 0.91% | 1.06% | 1.05% | 0.97% | 0.99% | 0.95% | 0.96% | 1.05% | +9 bps | |
| Return on Equity | 5.87% | 6.91% | 7.08% | 6.31% | 6.29% | 6.04% | 6.29% | 6.83% | +52 bps | |
| Net Interest Margin | 3.61% | 3.41% | 3.54% | 3.73% | 3.85% | 3.75% | 3.95% | 4.00% | +28 bps | |
| Efficiency Ratio | 76.10% | 73.65% | 74.88% | 77.17% | 77.24% | 77.53% | 77.80% | 75.73% | -145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | 4.33% | 6.45% | 6.68% | 5.58% | 3.88% | 3.24% | 5.93% | -75 bps | |
| Loan Growth (YoY) | 15.23% | 13.35% | 10.36% | 9.14% | 7.63% | 9.50% | 10.14% | 7.98% | -117 bps | |
| Share Growth (YoY) | -0.95% | 3.80% | 6.18% | 6.54% | 5.21% | 3.56% | 2.83% | 5.85% | -70 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.20% | 0.21% | 0.26% | 0.38% | 0.51% | 0.46% | 0.40% | +14 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 | 15.44% | 15.30% | 14.90% | 15.31% | 15.75% | 15.66% | 15.32% | 15.41% | +10 bps | |
| Net Worth / Assets | 15.44% | 15.30% | 14.90% | 15.31% | 15.75% | 15.66% | 15.32% | 15.41% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.82% | 87.59% | 83.67% | 87.68% | 91.89% | 92.61% | 89.62% | 89.44% | +176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |