Kankakee, IL · Charter 62827
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 | 0.50% | 0.48% | 0.05% | 0.40% | 0.29% | 0.25% | 0.02% | 0.35% | -5 bps | |
| Return on Equity | 4.22% | 3.93% | 0.44% | 3.29% | 2.35% | 2.02% | 0.14% | 3.23% | -6 bps | |
| Net Interest Margin | 4.13% | 4.26% | 4.31% | 4.42% | 4.54% | 4.52% | 3.80% | 3.96% | -46 bps | |
| Efficiency Ratio | 91.87% | 92.49% | 99.15% | 93.82% | 95.59% | 95.88% | 99.45% | 94.06% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.66% | -3.63% | -4.14% | -2.21% | 0.26% | 0.75% | 10.67% | 14.94% | +1,715 bps | |
| Loan Growth (YoY) | -2.15% | -2.57% | -3.77% | -6.57% | -10.16% | -11.81% | -4.08% | 12.78% | +1,935 bps | |
| Share Growth (YoY) | 1.76% | -3.69% | -3.66% | -0.30% | -0.81% | 3.56% | 13.92% | 17.98% | +1,828 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.73% | 1.79% | 1.29% | 1.38% | 2.06% | 1.90% | 0.78% | -51 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 | 11.87% | 12.18% | 11.89% | 12.03% | 12.15% | 12.34% | 10.96% | 10.68% | -135 bps | |
| Net Worth / Assets | 11.87% | 12.18% | 11.89% | 12.03% | 12.15% | 12.34% | 10.96% | 10.68% | -135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.89% | 74.21% | 69.60% | 67.66% | 66.02% | 63.19% | 58.61% | 64.68% | -298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |