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Pontiac Dwight Prison Employs

Pontiac, IL · Charter 60299

NCUA · 1 branch

Q2 2026

$8.3MAssets
$2.7MLoans
$7.4MShares
$901KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.15%, up 4 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.00% of loans (-231 bps YoY).
  • Capital: net worth / assets of 10.81%, down 56 bps from a year ago.
  • Funding: loans stand at 36.09% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.46%-3 bps YoY

Efficiency Ratio (YTD, annualized)

53.24%-228 bps YoY

Net Worth / Assets

10.81%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%0.98%0.20%0.81%1.15%+4 bps
Return on Equity9.72%8.87%1.82%7.55%10.64%+92 bps
Net Interest Margin2.48%2.33%2.11%2.17%2.46%-3 bps
Efficiency Ratio55.52%57.87%90.60%62.67%53.24%-228 bps
Growth
Asset Growth (YoY)0.73%3.54%5.15%6.18%7.69%+695 bps
Loan Growth (YoY)4.74%7.41%13.08%-0.70%-7.35%-1,209 bps
Share Growth (YoY)0.55%3.53%5.57%6.87%8.37%+783 bps
Asset Quality
Delinquent Loans / Loans2.31%0.00%0.00%0.00%0.00%-231 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.56%0.55%0.60%0.64%+5 bps
Capital
Risk-Based Capital11.37%11.06%10.92%10.71%10.81%-56 bps
Net Worth / Assets11.37%11.06%10.92%10.71%10.81%-56 bps
Liquidity & Funding
Loans / Shares42.22%42.69%44.69%39.58%36.09%-612 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps