Rockford, IL · Charter 60429
NCUA · 2 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 | 0.58% | 0.16% | 0.46% | 0.68% | 0.76% | 0.70% | 0.85% | 0.92% | +24 bps | |
| Return on Equity | 3.72% | 1.05% | 3.05% | 4.47% | 4.82% | 4.44% | 5.45% | 5.60% | +113 bps | |
| Net Interest Margin | 3.40% | 3.02% | 3.41% | 3.54% | 3.72% | 3.77% | 3.86% | 4.06% | +51 bps | |
| Efficiency Ratio | 86.00% | 96.66% | 87.09% | 83.44% | 82.33% | 83.48% | 79.89% | 80.18% | -326 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.49% | 2.40% | 1.02% | 2.01% | 1.18% | 0.46% | 0.59% | -2.75% | -476 bps | |
| Loan Growth (YoY) | -7.47% | -4.27% | -5.34% | -6.38% | -6.03% | -6.71% | -6.81% | -5.84% | +54 bps | |
| Share Growth (YoY) | 3.91% | 2.15% | 1.24% | 2.23% | 1.49% | -0.91% | -0.72% | -4.15% | -638 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.48% | 0.43% | 0.23% | 0.39% | 0.19% | 0.28% | 0.10% | -12 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 | 15.58% | 15.14% | 14.96% | 15.13% | 15.69% | 15.78% | 15.66% | 16.38% | +125 bps | |
| Net Worth / Assets | 15.58% | 15.14% | 14.96% | 15.13% | 15.69% | 15.78% | 15.66% | 16.38% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.17% | 56.99% | 54.02% | 53.63% | 52.93% | 53.65% | 50.71% | 52.68% | -95 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |