PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kone Employees

Moline, IL · Charter 60855

NCUA · 1 branch

Q2 2026

$20.7MAssets
$10.9MLoans
$17.1MShares
$3.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.93%, up 106 bps year over year; NIM at 4.77%.
  • Asset quality: problem loans at 0.55% of loans (-33 bps YoY).
  • Capital: net worth / assets of 17.49%, up 116 bps from a year ago.
  • Funding: loans stand at 63.76% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.93%+106 bps YoY

Net Interest Margin (quarter, annualized)

4.77%+60 bps YoY

Efficiency Ratio (quarter, annualized)

67.68%-161 bps YoY

Net Worth / Assets

17.49%+116 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.39%1.10%0.61%1.93%+106 bps
Return on Equity5.35%2.48%6.85%3.65%11.06%+571 bps
Net Interest Margin4.16%4.20%4.24%4.52%4.77%+60 bps
Efficiency Ratio69.29%68.30%68.07%70.17%67.68%-161 bps
Growth
Asset Growth (YoY)6.34%10.80%11.46%8.92%2.72%-361 bps
Loan Growth (YoY)1.44%-2.77%-1.50%-2.90%4.57%+313 bps
Share Growth (YoY)6.68%11.75%12.27%8.40%1.09%-558 bps
Asset Quality
Delinquent Loans / Loans0.89%1.28%0.19%0.15%0.55%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.33%15.83%16.04%16.58%17.49%+116 bps
Net Worth / Assets16.33%15.83%16.04%16.58%17.49%+116 bps
Liquidity & Funding
Loans / Shares61.64%58.61%58.22%56.71%63.76%+212 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps