Champaign, IL · Charter 60627
NCUA · 2 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 | 3.03% | 3.02% | 2.28% | 2.22% | 0.81% | 1.04% | 1.29% | 1.36% | -86 bps | |
| Return on Equity | 5.86% | 5.81% | 4.31% | 4.21% | 1.44% | 1.82% | 2.33% | 2.45% | -176 bps | |
| Net Interest Margin | 6.47% | 6.40% | 6.54% | 6.11% | 6.77% | 6.57% | 5.77% | 5.38% | -73 bps | |
| Efficiency Ratio | 53.63% | 53.62% | 66.92% | 65.72% | 88.68% | 84.98% | 79.42% | 76.70% | +1,097 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.09% | -9.32% | -2.02% | 2.73% | -5.82% | -7.13% | -3.29% | -4.37% | -710 bps | |
| Loan Growth (YoY) | 43.44% | 38.37% | 22.50% | -4.96% | -0.23% | -6.74% | -12.80% | 6.08% | +1,104 bps | |
| Share Growth (YoY) | -26.22% | -21.71% | -9.90% | -0.80% | -14.55% | -16.80% | -8.71% | -10.28% | -947 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 3.42% | 0.16% | +16 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 | 2.31% | 1.84% | 1.42% | 1.31% | 1.90% | 2.08% | 2.48% | 2.10% | +79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 51.75% | 52.09% | 52.85% | 52.62% | 56.37% | 57.13% | 55.39% | 55.54% | +292 bps | |
| Net Worth / Assets | 51.75% | 52.09% | 52.85% | 52.62% | 56.37% | 57.13% | 55.39% | 55.54% | +292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 129.05% | 127.66% | 124.11% | 118.76% | 150.68% | 143.10% | 118.55% | 140.41% | +2,165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |