Rockford, IL · Charter 62826
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.76% | 2.48% | 2.17% | 0.85% | -0.77% | -354 bps | |
| Return on Equity | 18.30% | 15.83% | 13.93% | 5.37% | -5.10% | -2,340 bps | |
| Net Interest Margin | 3.77% | 3.97% | 3.87% | 2.68% | 2.12% | -165 bps | |
| Efficiency Ratio | 47.26% | 51.31% | 54.78% | 67.31% | 125.16% | +7,790 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.78% | 1.94% | 4.44% | 2.48% | 2.91% | +569 bps | |
| Loan Growth (YoY) | -4.32% | -4.75% | -1.67% | 0.48% | 2.17% | +649 bps | |
| Share Growth (YoY) | -4.94% | 0.30% | 2.98% | 1.18% | 2.02% | +696 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.23% | 0.25% | 0.09% | 0.41% | +3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.10% | 15.67% | 15.59% | 15.75% | 15.16% | +6 bps | |
| Net Worth / Assets | 15.10% | 15.67% | 15.59% | 15.75% | 15.16% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.97% | 52.32% | 51.32% | 50.06% | 51.04% | +7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |