Kankakee, IL · Charter 60198
NCUA · 1 branch
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 | 1.62% | 0.20% | 1.63% | 1.93% | 1.58% | 0.53% | 1.09% | 1.44% | -49 bps | |
| Return on Equity | 13.23% | 1.72% | 13.75% | 15.23% | 12.48% | 4.44% | 9.00% | 11.45% | -378 bps | |
| Net Interest Margin | 3.11% | 2.99% | 3.22% | 3.31% | 3.03% | 2.78% | 3.16% | 3.21% | -11 bps | |
| Efficiency Ratio | 49.88% | 62.99% | 51.37% | 44.17% | 50.07% | 68.44% | 66.94% | 57.38% | +1,322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.27% | 9.77% | 4.41% | -0.15% | -2.44% | -1.05% | 1.20% | 3.31% | +346 bps | |
| Loan Growth (YoY) | -2.32% | -3.56% | -3.08% | -6.93% | -5.43% | -9.34% | -3.72% | 2.59% | +952 bps | |
| Share Growth (YoY) | 11.91% | 10.92% | 4.82% | -0.61% | -3.22% | -1.90% | 0.79% | 3.25% | +385 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.60% | 5.87% | 3.76% | 4.86% | 4.12% | 1.28% | 1.91% | 4.04% | -82 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 | 12.22% | 11.38% | 11.88% | 12.65% | 12.66% | 12.04% | 12.13% | 12.56% | -9 bps | |
| Net Worth / Assets | 12.22% | 11.38% | 11.88% | 12.65% | 12.66% | 12.04% | 12.13% | 12.56% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.42% | 84.71% | 82.09% | 81.11% | 81.51% | 78.29% | 78.41% | 80.60% | -51 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |