Harvard, IL · Charter 60201
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 | -3.16% | -0.95% | -8.58% | -3.88% | -2.82% | -2.30% | -6.14% | -1.06% | +282 bps | |
| Return on Equity | -33.47% | -10.28% | -118.95% | -52.25% | -37.16% | -31.34% | -113.16% | -16.34% | +3,590 bps | |
| Net Interest Margin | 4.94% | 4.67% | 4.60% | 4.77% | 4.11% | 4.16% | 3.61% | 3.87% | -90 bps | |
| Efficiency Ratio | 90.39% | 92.72% | 101.14% | 97.59% | 97.73% | 100.60% | 115.45% | 69.96% | -2,763 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.61% | -9.22% | 1.48% | -4.26% | -2.85% | -3.64% | 2.28% | 3.80% | +807 bps | |
| Loan Growth (YoY) | -0.24% | -2.51% | -5.67% | -8.05% | -6.74% | -2.18% | 1.72% | 4.64% | +1,268 bps | |
| Share Growth (YoY) | -11.86% | -8.13% | 4.53% | -2.70% | -1.11% | -2.13% | 3.75% | 4.95% | +765 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.72% | 4.32% | 1.99% | 1.63% | 0.66% | 1.11% | 1.30% | 0.03% | -160 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 | 9.44% | 9.28% | 7.21% | 7.43% | 7.59% | 7.33% | 5.43% | 6.46% | -96 bps | |
| Net Worth / Assets | 9.44% | 9.28% | 7.21% | 7.43% | 7.59% | 7.33% | 5.43% | 6.46% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.00% | 87.05% | 83.79% | 84.49% | 85.81% | 87.01% | 82.15% | 84.24% | -25 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |