Robinson, IL · Charter 61518
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51% | 1.41% | 1.37% | 1.50% | 1.83% | +32 bps | |
| Return on Equity | 6.30% | 6.24% | 5.33% | 5.93% | 7.32% | +101 bps | |
| Net Interest Margin | 3.85% | 3.91% | 4.16% | 4.12% | 4.27% | +42 bps | |
| Efficiency Ratio | 61.53% | 64.60% | 67.57% | 64.13% | 57.82% | -371 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.78% | 4.76% | 1.24% | -0.05% | 0.78% | -200 bps | |
| Loan Growth (YoY) | -9.96% | -9.77% | -10.30% | -10.29% | -8.27% | +170 bps | |
| Share Growth (YoY) | 2.31% | 6.50% | 0.05% | -1.74% | -0.63% | -294 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.25% | 0.17% | 1.55% | 1.37% | +105 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.74% | 1.76% | 1.90% | 1.88% | 1.88% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.89% | 22.57% | 25.81% | 25.23% | 25.00% | +112 bps | |
| Net Worth / Assets | 23.89% | 22.57% | 25.81% | 25.23% | 25.00% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.29% | 69.04% | 72.14% | 69.86% | 66.74% | -555 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |