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Letter portraitLegal landscapeQuarterYTD

Ottawa Hiway

Ottawa, IL · Charter 63213

NCUA · 3 branches

Q2 2026

$16.3MAssets
$7.2MLoans
$13.5MShares
$2.7MNet Worth

Executive Summary

  • Earnings: ROA of 2.12%, up 10 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.69%, up 142 bps from a year ago.
  • Funding: loans stand at 52.88% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

2.12%+10 bps YoY

Net Interest Margin (quarter, annualized)

4.20%+32 bps YoY

Efficiency Ratio (quarter, annualized)

52.08%+420 bps YoY

Net Worth / Assets

16.69%+142 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.52%1.34%1.61%2.02%2.09%1.91%1.91%2.12%+10 bps
Return on Equity10.47%9.10%11.16%13.20%13.30%12.03%11.58%12.70%-50 bps
Net Interest Margin3.62%3.71%3.67%3.89%3.94%3.80%4.17%4.20%+32 bps
Efficiency Ratio60.87%62.05%52.39%47.88%47.81%51.17%56.27%52.08%+420 bps
Growth
Asset Growth (YoY)3.99%0.47%2.26%-0.23%4.17%5.69%-0.76%3.77%+400 bps
Loan Growth (YoY)-1.75%4.58%2.55%1.50%5.86%4.35%7.66%5.88%+439 bps
Share Growth (YoY)2.95%-0.80%1.17%-1.90%3.02%4.27%-3.25%1.99%+390 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.50%14.74%14.40%15.27%15.68%15.85%16.51%16.69%+142 bps
Net Worth / Assets14.50%14.74%14.40%15.27%15.68%15.85%16.51%16.69%+142 bps
Liquidity & Funding
Loans / Shares50.78%51.71%48.23%50.93%52.18%51.74%53.67%52.88%+194 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps