PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fox Valley

Aurora, IL · Charter 63286

NCUA · 3 branches

Q2 2026

$45.5MAssets
$15.0MLoans
$38.5MShares
$7.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.02%, up 23 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.40% of loans (-259 bps YoY).
  • Capital: net worth / assets of 15.81%, up 24 bps from a year ago.
  • Funding: loans stand at 38.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.02%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+13 bps YoY

Efficiency Ratio (YTD, annualized)

90.74%-653 bps YoY

Net Worth / Assets

15.81%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.25%-0.12%-0.08%-0.41%-0.02%+23 bps
Return on Equity-1.58%-0.75%-0.49%-2.65%-0.11%+147 bps
Net Interest Margin3.72%3.82%3.81%3.85%3.85%+13 bps
Efficiency Ratio97.27%96.88%97.40%90.17%90.74%-653 bps
Growth
Asset Growth (YoY)-0.14%-0.62%-1.00%-1.73%-1.43%-129 bps
Loan Growth (YoY)-11.38%-9.53%-10.18%-10.10%-8.80%+258 bps
Share Growth (YoY)0.10%-0.29%-1.11%-1.83%-1.19%-129 bps
Asset Quality
Delinquent Loans / Loans2.99%2.14%3.57%1.90%0.40%-259 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.57%15.80%15.68%15.33%15.81%+24 bps
Net Worth / Assets15.57%15.80%15.68%15.33%15.81%+24 bps
Liquidity & Funding
Loans / Shares42.22%42.10%40.67%38.52%38.97%-325 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps