Sterling, IL · Charter 60531
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.99% | 1.91% | 1.61% | 1.61% | 1.55% | -44 bps | |
| Return on Equity | 16.24% | 15.17% | 13.04% | 13.13% | 12.24% | -400 bps | |
| Net Interest Margin | 3.91% | 3.86% | 3.70% | 3.48% | 3.57% | -34 bps | |
| Efficiency Ratio | 60.78% | 61.63% | 65.40% | 65.84% | 65.74% | +496 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.28% | 8.87% | 11.35% | 8.93% | 8.76% | +148 bps | |
| Loan Growth (YoY) | 21.71% | 17.02% | 7.96% | 2.76% | -5.29% | -2,700 bps | |
| Share Growth (YoY) | 6.51% | 7.97% | 10.88% | 8.40% | 8.27% | +177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.41% | 0.53% | 0.10% | 0.26% | +14 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.24% | 12.61% | 12.32% | 12.28% | 12.63% | +40 bps | |
| Net Worth / Assets | 12.24% | 12.61% | 12.32% | 12.28% | 12.63% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.00% | 78.81% | 73.65% | 69.45% | 68.23% | -977 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |