Peru, IL · Charter 62121
NCUA · 2 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 | 1.91% | 2.03% | -0.25% | 0.03% | 0.10% | 0.10% | -3.59% | -2.12% | -215 bps | |
| Return on Equity | 18.36% | 19.15% | -2.34% | 0.27% | 0.96% | 1.03% | -36.11% | -20.95% | -2,122 bps | |
| Net Interest Margin | 5.69% | 5.93% | 4.28% | 4.47% | 4.64% | 4.63% | 4.61% | 4.77% | +30 bps | |
| Efficiency Ratio | 71.01% | 70.41% | 96.07% | 94.57% | 95.08% | 95.76% | 131.39% | 117.34% | +2,277 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.72% | 2.53% | -1.94% | -2.63% | -4.47% | -2.32% | -0.78% | -4.15% | -152 bps | |
| Loan Growth (YoY) | -15.18% | -13.62% | -10.02% | -3.12% | 2.01% | 2.73% | 1.31% | -0.87% | +225 bps | |
| Share Growth (YoY) | 12.85% | 2.85% | -2.63% | -3.33% | -4.67% | -2.34% | -0.12% | -4.08% | -76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.87% | 0.79% | 0.49% | 0.84% | 0.35% | 1.53% | 0.34% | -15 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 | 10.38% | 10.59% | 10.61% | 10.27% | 10.02% | 10.01% | 9.94% | 10.12% | -15 bps | |
| Net Worth / Assets | 10.38% | 10.59% | 10.61% | 10.27% | 10.02% | 10.01% | 9.94% | 10.12% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.61% | 78.71% | 80.05% | 82.82% | 85.18% | 82.80% | 81.19% | 85.59% | +277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |