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Letter portraitLegal landscapeQuarterYTD

Financial Plus

Ottawa, IL · Charter 61231

NCUA · 5 branches

Q2 2026

$607.4MAssets
$395.5MLoans
$520.6MShares
$80.4MNet 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 1.48%, up 33 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.45% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.24%, up 28 bps from a year ago.
  • Funding: loans stand at 75.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.05%+20 bps YoY

Efficiency Ratio (YTD, annualized)

67.44%-307 bps YoY

Net Worth / Assets

13.24%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.30%1.34%1.50%1.48%+33 bps
Return on Equity8.89%9.66%10.20%11.59%11.16%+227 bps
Net Interest Margin3.84%3.99%3.84%3.93%4.05%+20 bps
Efficiency Ratio70.51%68.19%67.79%65.56%67.44%-307 bps
Growth
Asset Growth (YoY)8.05%7.71%9.84%9.12%9.83%+178 bps
Loan Growth (YoY)9.93%11.96%12.25%13.06%13.23%+330 bps
Share Growth (YoY)6.82%6.73%8.54%8.08%9.25%+242 bps
Asset Quality
Delinquent Loans / Loans0.46%0.45%0.51%0.41%0.45%0 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 Capital12.96%13.46%13.09%12.96%13.24%+28 bps
Net Worth / Assets12.96%13.46%13.09%12.96%13.24%+28 bps
Liquidity & Funding
Loans / Shares73.30%78.07%74.82%73.67%75.98%+267 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps