Bourbonnais, IL · Charter 60304
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.39% | 0.44% | 0.70% | 0.49% | +21 bps | |
| Return on Equity | 3.11% | 4.23% | 4.43% | 7.58% | 5.57% | +246 bps | |
| Net Interest Margin | 3.31% | 3.47% | 3.81% | 3.73% | 3.70% | +39 bps | |
| Efficiency Ratio | 86.99% | 83.15% | 84.12% | 83.93% | 82.38% | -460 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.46% | 7.11% | -7.77% | 1.81% | 7.49% | +203 bps | |
| Loan Growth (YoY) | -4.69% | -4.36% | -3.19% | -4.97% | -7.46% | -277 bps | |
| Share Growth (YoY) | 5.69% | 7.51% | -9.02% | 1.31% | 7.64% | +195 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.71% | 0.70% | 0.45% | 0.58% | -4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.90% | 9.15% | 9.93% | 9.17% | 8.77% | -13 bps | |
| Net Worth / Assets | 8.90% | 9.15% | 9.93% | 9.17% | 8.77% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.17% | 71.80% | 77.71% | 66.97% | 62.05% | -1,012 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |