Quincy, IL · Charter 63378
NCUA · 1 branch
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 | 1.48% | 1.54% | 1.48% | 1.92% | 1.55% | 1.23% | 0.37% | 0.30% | -162 bps | |
| Return on Equity | 11.80% | 11.43% | 10.93% | 11.58% | 9.04% | 7.27% | 2.20% | 1.79% | -980 bps | |
| Net Interest Margin | 3.93% | 4.15% | 4.02% | 4.47% | 4.36% | 4.08% | 3.51% | 3.40% | -107 bps | |
| Efficiency Ratio | 62.69% | 63.08% | 63.55% | 68.48% | 72.42% | 76.24% | 89.68% | 90.48% | +2,200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.79% | 1.94% | 3.21% | -15.49% | -19.33% | -13.65% | -14.61% | 0.82% | +1,631 bps | |
| Loan Growth (YoY) | 2.37% | -11.39% | -21.51% | -26.72% | -27.41% | -28.00% | -33.93% | -29.11% | -239 bps | |
| Share Growth (YoY) | 9.99% | 0.41% | 1.81% | -19.53% | -23.60% | -17.01% | -17.75% | 0.49% | +2,002 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.81% | 2.67% | +267 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 | 0.97% | 0.99% | 1.05% | 0.37% | 0.40% | 0.43% | 0.50% | 0.59% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.53% | 13.50% | 13.52% | 16.54% | 17.15% | 16.86% | 16.70% | 16.82% | +28 bps | |
| Net Worth / Assets | 12.53% | 13.50% | 13.52% | 16.54% | 17.15% | 16.86% | 16.70% | 16.82% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.04% | 36.70% | 33.51% | 36.90% | 35.19% | 31.84% | 26.92% | 26.03% | -1,087 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |