Bellwood, IL · Charter 60852
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 | 3.94% | 3.09% | 0.85% | 0.92% | 0.92% | 0.85% | 0.51% | 0.63% | -29 bps | |
| Return on Equity | 29.72% | 23.30% | 6.37% | 6.80% | 6.69% | 6.10% | 3.66% | 4.38% | -242 bps | |
| Net Interest Margin | 4.31% | 4.34% | 4.57% | 4.61% | 4.67% | 4.69% | 4.64% | 4.65% | +3 bps | |
| Efficiency Ratio | 47.71% | 53.27% | 77.21% | 76.84% | 77.75% | 79.34% | 84.88% | 82.93% | +609 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.44% | 3.98% | 1.79% | 1.95% | 2.45% | 0.84% | 0.46% | -0.36% | -231 bps | |
| Loan Growth (YoY) | 2.15% | -0.87% | -2.77% | -6.76% | -6.74% | -8.81% | -6.89% | -4.66% | +210 bps | |
| Share Growth (YoY) | -2.85% | 1.07% | 1.79% | 1.55% | 1.80% | -0.12% | -0.54% | -1.30% | -284 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.70% | 0.57% | 0.67% | 0.89% | 1.12% | 1.24% | 1.19% | +52 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 | 13.26% | 13.24% | 13.31% | 13.53% | 13.80% | 13.98% | 14.02% | 14.28% | +75 bps | |
| Net Worth / Assets | 13.26% | 13.24% | 13.31% | 13.53% | 13.80% | 13.98% | 14.02% | 14.28% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.46% | 74.55% | 71.12% | 70.21% | 69.13% | 68.06% | 66.58% | 67.82% | -239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |