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Letter portraitLegal landscapeQuarterYTD

Maternity B.V.M.

Bourbonnais, IL · Charter 60212

NCUA · 1 branch

Q2 2026

$11.3MAssets
$7.1MLoans
$9.9MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.49%, up 95 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (-197 bps YoY).
  • Capital: net worth / assets of 12.78%, up 116 bps from a year ago.
  • Funding: loans stand at 72.37% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.49%+95 bps YoY

Net Interest Margin (quarter, annualized)

3.13%+48 bps YoY

Efficiency Ratio (quarter, annualized)

77.94%-1,531 bps YoY

Net Worth / Assets

12.78%+116 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.36%-0.28%-0.48%-0.46%-0.32%-0.18%-0.66%0.49%+95 bps
Return on Equity-3.16%-2.36%-4.10%-3.96%-2.73%-1.49%-5.30%3.81%+776 bps
Net Interest Margin2.13%2.24%2.51%2.66%2.76%2.94%2.37%3.13%+48 bps
Efficiency Ratio113.78%110.10%98.14%93.25%90.52%88.27%105.74%77.94%-1,531 bps
Growth
Asset Growth (YoY)-1.60%-2.08%-1.32%-6.24%-3.21%-6.14%-7.65%-6.87%-62 bps
Loan Growth (YoY)-3.36%-7.26%-5.66%-7.34%-4.42%-8.32%-3.43%7.50%+1,484 bps
Share Growth (YoY)-1.12%-1.96%-1.24%-6.80%-3.47%-6.83%-8.63%-8.06%-125 bps
Asset Quality
Delinquent Loans / Loans0.42%0.69%1.49%1.97%0.99%0.58%0.66%0.00%-197 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.41%11.66%11.67%11.62%11.55%12.24%12.41%12.78%+116 bps
Net Worth / Assets11.41%11.66%11.67%11.62%11.55%12.24%12.41%12.78%+116 bps
Liquidity & Funding
Loans / Shares62.88%63.74%64.08%61.89%62.26%62.72%67.72%72.37%+1,048 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps