La Salle, IL · Charter 60184
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 | -0.72% | -0.41% | 1.55% | 0.33% | 0.10% | -0.95% | -1.88% | -2.04% | -236 bps | |
| Return on Equity | -8.14% | -5.28% | 19.46% | 4.20% | 1.27% | -19.38% | -37.51% | -42.45% | -4,665 bps | |
| Net Interest Margin | 2.89% | 2.86% | 2.28% | 2.42% | 2.63% | 2.23% | 2.67% | 2.68% | +26 bps | |
| Efficiency Ratio | 111.12% | 112.10% | 118.10% | 112.71% | 98.44% | 124.98% | 160.45% | 168.93% | +5,622 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.76% | -6.69% | -6.76% | -1.72% | 3.40% | 11.64% | -2.17% | -7.50% | -578 bps | |
| Loan Growth (YoY) | -20.75% | -16.70% | -15.04% | -12.67% | -4.47% | -1.44% | -1.95% | -9.42% | +325 bps | |
| Share Growth (YoY) | -8.40% | -5.08% | -7.50% | -1.70% | 3.46% | 14.10% | 0.38% | -5.53% | -382 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.29% | 6.15% | 5.28% | 5.98% | 4.05% | 4.73% | 5.58% | 3.64% | -234 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 | 8.81% | 7.75% | 7.95% | 7.76% | 7.50% | 4.92% | 5.01% | 4.80% | -296 bps | |
| Net Worth / Assets | 8.81% | 7.75% | 7.95% | 7.76% | 7.50% | 4.92% | 5.01% | 4.80% | -296 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.49% | 50.34% | 47.21% | 46.77% | 46.62% | 43.49% | 46.11% | 44.84% | -193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |