Aurora, IL · Charter 63286
NCUA · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.07% | -0.12% | -0.25% | -0.12% | -0.08% | -0.41% | -0.02% | +23 bps | |
| Return on Equity | 1.01% | 0.47% | -0.79% | -1.58% | -0.75% | -0.49% | -2.65% | -0.11% | +147 bps | |
| Net Interest Margin | 3.45% | 3.45% | 3.47% | 3.72% | 3.82% | 3.81% | 3.85% | 3.85% | +13 bps | |
| Efficiency Ratio | 82.62% | 86.62% | 98.39% | 97.27% | 96.88% | 97.40% | 90.17% | 90.74% | -653 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.34% | -3.61% | 0.21% | -0.14% | -0.62% | -1.00% | -1.73% | -1.43% | -129 bps | |
| Loan Growth (YoY) | 0.25% | -9.20% | -10.94% | -11.38% | -9.53% | -10.18% | -10.10% | -8.80% | +258 bps | |
| Share Growth (YoY) | -6.47% | -2.34% | 0.22% | 0.10% | -0.29% | -1.11% | -1.83% | -1.19% | -129 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.95% | 3.40% | 2.16% | 2.99% | 2.14% | 3.57% | 1.90% | 0.40% | -259 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 | 15.87% | 15.63% | 15.24% | 15.57% | 15.80% | 15.68% | 15.33% | 15.81% | +24 bps | |
| Net Worth / Assets | 15.87% | 15.63% | 15.24% | 15.57% | 15.80% | 15.68% | 15.33% | 15.81% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.40% | 44.78% | 42.07% | 42.22% | 42.10% | 40.67% | 38.52% | 38.97% | -325 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |