Bourbonnais, IL · Charter 60304
NCUA · 2 branches
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 | 0.30% | 0.25% | 0.17% | 0.28% | 0.39% | 0.44% | 0.70% | 0.49% | +21 bps | |
| Return on Equity | 3.22% | 2.89% | 1.97% | 3.11% | 4.23% | 4.43% | 7.58% | 5.57% | +246 bps | |
| Net Interest Margin | 2.98% | 2.78% | 3.12% | 3.31% | 3.47% | 3.81% | 3.73% | 3.70% | +39 bps | |
| Efficiency Ratio | 92.61% | 93.01% | 89.08% | 86.99% | 83.15% | 84.12% | 83.93% | 82.38% | -460 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.02% | 7.13% | 5.12% | 5.46% | 7.11% | -7.77% | 1.81% | 7.49% | +203 bps | |
| Loan Growth (YoY) | -2.71% | -2.03% | -6.01% | -4.69% | -4.36% | -3.19% | -4.97% | -7.46% | -277 bps | |
| Share Growth (YoY) | 13.55% | 18.50% | 6.81% | 5.69% | 7.51% | -9.02% | 1.31% | 7.64% | +195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.35% | 0.32% | 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 | 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% | 8.75% | 8.79% | 8.90% | 9.15% | 9.93% | 9.17% | 8.77% | -13 bps | |
| Net Worth / Assets | 9.44% | 8.75% | 8.79% | 8.90% | 9.15% | 9.93% | 9.17% | 8.77% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.71% | 73.03% | 71.40% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |