Bartonville, IL · Charter 60346
NCUA · 2 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.92% | 0.77% | 0.46% | 0.59% | 0.75% | 0.73% | 0.97% | +50 bps | |
| Return on Equity | 8.27% | 7.95% | 6.42% | 3.95% | 4.89% | 6.08% | 5.89% | 7.90% | +395 bps | |
| Net Interest Margin | 3.38% | 3.54% | 3.66% | 3.49% | 3.67% | 3.77% | 3.78% | 3.77% | +29 bps | |
| Efficiency Ratio | 79.47% | 79.87% | 83.48% | 89.28% | 86.65% | 83.48% | 84.18% | 80.94% | -834 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.34% | -0.64% | -3.42% | -3.80% | -3.02% | -1.92% | 2.38% | 2.45% | +625 bps | |
| Loan Growth (YoY) | -1.17% | 5.03% | -1.08% | -1.32% | 1.51% | 4.92% | 10.69% | 7.43% | +875 bps | |
| Share Growth (YoY) | -4.97% | -3.57% | -5.37% | -5.22% | -3.25% | -2.79% | 2.07% | 1.57% | +680 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.26% | 0.18% | 0.50% | 0.49% | 0.39% | 0.36% | 0.19% | -31 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 | 11.16% | 11.56% | 11.99% | 11.70% | 12.07% | 12.40% | 12.42% | 12.24% | +54 bps | |
| Net Worth / Assets | 11.16% | 11.56% | 11.99% | 11.70% | 12.07% | 12.40% | 12.42% | 12.24% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.68% | 58.67% | 56.34% | 53.51% | 55.27% | 63.33% | 61.10% | 56.59% | +308 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |