Bradley, IL · Charter 60325
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 | 0.88% | 0.87% | 0.92% | 0.83% | 1.07% | 1.10% | 0.34% | 1.13% | +29 bps | |
| Return on Equity | 6.23% | 6.12% | 6.55% | 5.74% | 7.13% | 7.28% | 2.42% | 8.04% | +230 bps | |
| Net Interest Margin | 3.94% | 3.98% | 4.13% | 4.30% | 4.39% | 4.32% | 4.07% | 4.09% | -22 bps | |
| Efficiency Ratio | 80.89% | 80.39% | 75.44% | 75.94% | 75.30% | 76.10% | 86.05% | 75.87% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.41% | 1.76% | 1.86% | 3.31% | 0.85% | 2.20% | 5.28% | 13.29% | +998 bps | |
| Loan Growth (YoY) | 2.21% | -1.33% | -0.38% | -3.90% | -7.15% | -7.27% | -5.21% | 4.27% | +817 bps | |
| Share Growth (YoY) | -2.03% | -0.24% | -0.60% | 1.43% | 3.14% | 5.16% | 8.83% | 18.69% | +1,726 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.72% | 0.37% | 1.26% | 0.41% | 0.68% | 0.76% | 0.69% | -58 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 | 14.13% | 14.26% | 13.98% | 14.54% | 15.06% | 15.05% | 14.18% | 14.01% | -53 bps | |
| Net Worth / Assets | 14.13% | 14.26% | 13.98% | 14.54% | 15.06% | 15.05% | 14.18% | 14.01% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.61% | 66.37% | 63.31% | 64.02% | 61.76% | 58.52% | 55.14% | 56.24% | -778 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |