PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Anco Community

La Salle, IL · Charter 60184

NCUA · 1 branch

Q2 2026

$10.2MAssets
$4.4MLoans
$9.7MShares
$491KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.04%, down 236 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 3.64% of loans (-234 bps YoY).
  • Capital: net worth / assets of 4.80%, down 296 bps from a year ago.
  • Funding: loans stand at 44.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.04%-236 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+26 bps YoY

Efficiency Ratio (YTD, annualized)

168.93%+5,622 bps YoY

Net Worth / Assets

4.80%-296 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.10%-0.95%-1.88%-2.04%-236 bps
Return on Equity4.20%1.27%-19.38%-37.51%-42.45%-4,665 bps
Net Interest Margin2.42%2.63%2.23%2.67%2.68%+26 bps
Efficiency Ratio112.71%98.44%124.98%160.45%168.93%+5,622 bps
Growth
Asset Growth (YoY)-1.72%3.40%11.64%-2.17%-7.50%-578 bps
Loan Growth (YoY)-12.67%-4.47%-1.44%-1.95%-9.42%+325 bps
Share Growth (YoY)-1.70%3.46%14.10%0.38%-5.53%-382 bps
Asset Quality
Delinquent Loans / Loans5.98%4.05%4.73%5.58%3.64%-234 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.76%7.50%4.92%5.01%4.80%-296 bps
Net Worth / Assets7.76%7.50%4.92%5.01%4.80%-296 bps
Liquidity & Funding
Loans / Shares46.77%46.62%43.49%46.11%44.84%-193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps