Pontiac, IL · Charter 60299
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.19% | 1.31% | 1.11% | 0.98% | 0.20% | 0.81% | 1.15% | +4 bps | |
| Return on Equity | 6.24% | 1.70% | 11.60% | 9.72% | 8.87% | 1.82% | 7.55% | 10.64% | +92 bps | |
| Net Interest Margin | 2.00% | 1.93% | 2.75% | 2.48% | 2.33% | 2.11% | 2.17% | 2.46% | -3 bps | |
| Efficiency Ratio | 65.68% | 90.05% | 52.41% | 55.52% | 57.87% | 90.60% | 62.67% | 53.24% | -228 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.94% | -1.36% | -0.90% | 0.73% | 3.54% | 5.15% | 6.18% | 7.69% | +695 bps | |
| Loan Growth (YoY) | -3.08% | -2.25% | 0.52% | 4.74% | 7.41% | 13.08% | -0.70% | -7.35% | -1,209 bps | |
| Share Growth (YoY) | -3.78% | -1.70% | -1.30% | 0.55% | 3.53% | 5.57% | 6.87% | 8.37% | +783 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 0.04% | 0.04% | 2.31% | 0.00% | 0.00% | 0.00% | 0.00% | -231 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 | 0.61% | 0.62% | 0.59% | 0.59% | 0.56% | 0.55% | 0.60% | 0.64% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.02% | 11.27% | 11.29% | 11.37% | 11.06% | 10.92% | 10.71% | 10.81% | -56 bps | |
| Net Worth / Assets | 11.02% | 11.27% | 11.29% | 11.37% | 11.06% | 10.92% | 10.71% | 10.81% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.15% | 41.72% | 42.60% | 42.22% | 42.69% | 44.69% | 39.58% | 36.09% | -612 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |