Vienna, IL · Charter 61152
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 | 2.28% | 2.29% | 2.71% | 2.63% | 2.71% | 2.53% | 2.39% | 2.25% | -38 bps | |
| Return on Equity | 19.40% | 18.60% | 21.84% | 20.80% | 19.58% | 18.26% | 16.67% | 15.33% | -546 bps | |
| Net Interest Margin | 4.51% | 4.57% | 4.67% | 4.61% | 4.88% | 4.71% | 4.67% | 4.61% | 0 bps | |
| Efficiency Ratio | 53.62% | 54.16% | 50.43% | 49.81% | 50.09% | 51.17% | 51.87% | 51.29% | +147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.36% | 4.04% | 6.52% | 7.56% | 4.71% | 8.61% | 4.32% | 2.36% | -519 bps | |
| Loan Growth (YoY) | 15.25% | 10.30% | 11.27% | 14.80% | 10.36% | 13.14% | 10.21% | 2.88% | -1,193 bps | |
| Share Growth (YoY) | 1.26% | 1.79% | 4.42% | 5.48% | 2.23% | 6.67% | 1.99% | -0.01% | -549 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.40% | 0.31% | 0.68% | 0.50% | 0.57% | 0.26% | 0.23% | -45 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 | 11.76% | 12.29% | 12.41% | 12.63% | 13.81% | 13.85% | 14.36% | 14.65% | +202 bps | |
| Net Worth / Assets | 11.76% | 12.29% | 12.41% | 12.63% | 13.81% | 13.85% | 14.36% | 14.65% | +202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.13% | 57.37% | 56.11% | 57.67% | 61.68% | 60.85% | 60.63% | 59.33% | +166 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |