Bloomington, IL · Charter 63103
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 | 1.59% | 1.51% | 1.37% | 1.33% | 1.36% | 1.27% | 1.12% | 1.02% | -31 bps | |
| Return on Equity | 11.55% | 10.94% | 10.10% | 9.90% | 10.00% | 9.39% | 8.27% | 7.54% | -236 bps | |
| Net Interest Margin | 3.52% | 3.44% | 3.27% | 3.25% | 3.20% | 3.10% | 2.90% | 2.89% | -36 bps | |
| Efficiency Ratio | 58.18% | 59.57% | 62.13% | 62.96% | 61.65% | 62.95% | 64.86% | 67.63% | +467 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.83% | 3.93% | 9.04% | 12.29% | 12.63% | 12.78% | 9.93% | 8.77% | -353 bps | |
| Loan Growth (YoY) | -0.55% | -2.81% | 2.47% | 8.15% | 15.17% | 16.42% | 11.78% | 6.62% | -153 bps | |
| Share Growth (YoY) | 0.33% | 2.64% | 8.38% | 12.20% | 12.91% | 13.15% | 9.98% | 8.74% | -346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.06% | 0.05% | 0.06% | 0.05% | 0.15% | 0.04% | 0.10% | +4 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 | 13.81% | 13.77% | 13.52% | 13.47% | 13.59% | 13.48% | 13.52% | 13.50% | +3 bps | |
| Net Worth / Assets | 13.81% | 13.77% | 13.52% | 13.47% | 13.59% | 13.48% | 13.52% | 13.50% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.66% | 33.25% | 32.93% | 34.38% | 35.36% | 34.21% | 33.47% | 33.71% | -67 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |