Galesburg, IL · Charter 60327
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.78% | 1.21% | 0.96% | 1.00% | 0.89% | 0.97% | 0.88% | -8 bps | |
| Return on Equity | 7.75% | 6.79% | 10.53% | 8.71% | 8.90% | 8.06% | 8.70% | 8.28% | -43 bps | |
| Net Interest Margin | 3.77% | 3.70% | 3.78% | 3.68% | 3.82% | 3.76% | 3.87% | 3.76% | +8 bps | |
| Efficiency Ratio | 79.31% | 81.06% | 72.47% | 76.14% | 74.64% | 76.78% | 77.14% | 78.85% | +271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.52% | 5.53% | 1.36% | 9.34% | 12.50% | 12.78% | 11.71% | 12.82% | +348 bps | |
| Loan Growth (YoY) | 7.77% | 8.11% | 10.44% | 13.03% | 17.37% | 17.30% | 16.31% | 22.26% | +923 bps | |
| Share Growth (YoY) | 7.82% | 5.77% | 0.94% | 9.06% | 13.22% | 13.39% | 12.41% | 14.47% | +541 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.43% | 0.18% | 0.23% | 0.20% | 0.38% | 0.31% | 0.33% | +10 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 | 11.74% | 11.51% | 11.47% | 11.04% | 11.30% | 11.10% | 11.11% | 10.62% | -42 bps | |
| Net Worth / Assets | 11.74% | 11.51% | 11.47% | 11.04% | 11.30% | 11.10% | 11.11% | 10.62% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.41% | 70.42% | 69.72% | 69.42% | 70.93% | 72.86% | 72.14% | 74.14% | +472 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |