Freeport, IL · Charter 60189
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 | 0.47% | 0.47% | 0.22% | 0.71% | 0.62% | 0.59% | 1.39% | 1.36% | +65 bps | |
| Return on Equity | 4.75% | 4.99% | 2.47% | 7.41% | 6.22% | 6.10% | 14.53% | 13.63% | +622 bps | |
| Net Interest Margin | 2.94% | 2.81% | 2.88% | 3.13% | 3.29% | 3.28% | 3.18% | 3.36% | +23 bps | |
| Efficiency Ratio | 88.73% | 87.79% | 80.76% | 78.30% | 79.49% | 80.67% | 70.07% | 70.73% | -757 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.96% | 14.81% | 13.26% | 10.02% | 6.84% | 3.19% | 3.30% | 4.94% | -508 bps | |
| Loan Growth (YoY) | 2.78% | 2.98% | 4.75% | 3.47% | 4.99% | 5.95% | 5.07% | 7.17% | +370 bps | |
| Share Growth (YoY) | 11.08% | 16.66% | 14.95% | 11.09% | 6.78% | 2.70% | 2.47% | 4.30% | -678 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.51% | 0.29% | 1.82% | 1.40% | 1.76% | 1.28% | 1.50% | -33 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 | 9.99% | 9.47% | 9.05% | 9.57% | 9.89% | 9.71% | 9.56% | 9.97% | +40 bps | |
| Net Worth / Assets | 9.99% | 9.47% | 9.05% | 9.57% | 9.89% | 9.71% | 9.56% | 9.97% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.70% | 64.88% | 62.26% | 65.38% | 68.53% | 66.93% | 63.83% | 67.17% | +180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |