Rockford, IL · Charter 62826
NCUA · 1 branch
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 | 0.72% | 0.62% | 2.99% | 2.76% | 2.48% | 2.17% | 0.85% | -0.77% | -354 bps | |
| Return on Equity | 5.05% | 4.32% | 20.32% | 18.30% | 15.83% | 13.93% | 5.37% | -5.10% | -2,340 bps | |
| Net Interest Margin | 3.98% | 4.00% | 3.67% | 3.77% | 3.97% | 3.87% | 2.68% | 2.12% | -165 bps | |
| Efficiency Ratio | 68.43% | 68.74% | 45.64% | 47.26% | 51.31% | 54.78% | 67.31% | 125.16% | +7,790 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.06% | -7.48% | -5.90% | -2.78% | 1.94% | 4.44% | 2.48% | 2.91% | +569 bps | |
| Loan Growth (YoY) | -5.36% | -5.17% | -6.04% | -4.32% | -4.75% | -1.67% | 0.48% | 2.17% | +649 bps | |
| Share Growth (YoY) | -9.20% | -9.45% | -8.31% | -4.94% | 0.30% | 2.98% | 1.18% | 2.02% | +696 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.47% | 0.26% | 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 | 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 | 14.30% | 14.38% | 14.71% | 15.10% | 15.67% | 15.59% | 15.75% | 15.16% | +6 bps | |
| Net Worth / Assets | 14.30% | 14.38% | 14.71% | 15.10% | 15.67% | 15.59% | 15.75% | 15.16% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.09% | 53.75% | 50.40% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |