Danville, IL · Charter 60532
NCUA · 3 branches
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 | 0.21% | 0.17% | 0.04% | 0.20% | 0.26% | 0.27% | 0.13% | 0.23% | +4 bps | |
| Return on Equity | 2.08% | 1.70% | 0.40% | 2.03% | 2.58% | 2.77% | 1.32% | 2.34% | +31 bps | |
| Net Interest Margin | 2.96% | 3.01% | 2.85% | 3.03% | 3.18% | 3.23% | 3.34% | 3.45% | +42 bps | |
| Efficiency Ratio | 90.27% | 91.18% | 96.05% | 93.92% | 92.15% | 91.91% | 91.90% | 92.13% | -180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.26% | -1.05% | 1.61% | 2.08% | 1.94% | 4.23% | 0.98% | 0.33% | -175 bps | |
| Loan Growth (YoY) | 6.08% | 1.69% | -0.99% | 6.71% | 3.63% | 9.32% | 9.38% | -2.29% | -900 bps | |
| Share Growth (YoY) | 0.54% | -0.18% | 3.07% | 2.05% | 1.34% | 4.37% | 0.59% | 0.46% | -159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.91% | 0.67% | 0.72% | 0.72% | 0.62% | 0.48% | 0.50% | -23 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 | 9.90% | 10.02% | 9.41% | 9.70% | 9.88% | 9.85% | 9.57% | 9.93% | +22 bps | |
| Net Worth / Assets | 9.90% | 10.02% | 9.41% | 9.70% | 9.88% | 9.85% | 9.57% | 9.93% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.12% | 42.35% | 38.16% | 42.95% | 44.10% | 44.36% | 41.49% | 41.77% | -117 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |