Ottawa, IL · Charter 61231
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.09% | 1.06% | 1.15% | 1.30% | 1.34% | 1.50% | 1.48% | +33 bps | |
| Return on Equity | 9.24% | 8.41% | 8.37% | 8.89% | 9.66% | 10.20% | 11.59% | 11.16% | +227 bps | |
| Net Interest Margin | 3.59% | 3.54% | 3.70% | 3.84% | 3.99% | 3.84% | 3.93% | 4.05% | +20 bps | |
| Efficiency Ratio | 67.21% | 68.01% | 71.68% | 70.51% | 68.19% | 67.79% | 65.56% | 67.44% | -307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.04% | 8.02% | 8.44% | 8.05% | 7.71% | 9.84% | 9.12% | 9.83% | +178 bps | |
| Loan Growth (YoY) | 10.11% | 8.59% | 9.19% | 9.93% | 11.96% | 12.25% | 13.06% | 13.23% | +330 bps | |
| Share Growth (YoY) | 4.10% | 7.42% | 7.70% | 6.82% | 6.73% | 8.54% | 8.08% | 9.25% | +242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.66% | 0.40% | 0.46% | 0.45% | 0.51% | 0.41% | 0.45% | 0 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 | 13.30% | 12.97% | 12.66% | 12.96% | 13.46% | 13.09% | 12.96% | 13.24% | +28 bps | |
| Net Worth / Assets | 13.30% | 12.97% | 12.66% | 12.96% | 13.46% | 13.09% | 12.96% | 13.24% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.43% | 72.34% | 70.42% | 73.30% | 78.07% | 74.82% | 73.67% | 75.98% | +267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |