Herrin, IL · Charter 63459
NCUA · 1 branch
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 | 0.25% | 0.11% | 0.77% | 0.95% | 0.65% | 0.08% | 0.27% | 0.58% | -37 bps | |
| Return on Equity | 2.82% | 1.24% | 8.44% | 9.78% | 7.11% | 0.96% | 3.18% | 6.63% | -315 bps | |
| Net Interest Margin | 2.81% | 2.95% | 3.60% | 3.79% | 3.47% | 3.32% | 2.89% | 3.30% | -49 bps | |
| Efficiency Ratio | 92.41% | 96.81% | 81.40% | 77.85% | 83.44% | 96.01% | 92.25% | 84.58% | +673 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.95% | 11.48% | 5.06% | 0.20% | 2.39% | 7.05% | 7.66% | 11.55% | +1,135 bps | |
| Loan Growth (YoY) | 3.82% | 10.60% | 5.34% | 1.41% | 3.99% | -3.72% | -1.21% | -0.96% | -237 bps | |
| Share Growth (YoY) | 12.11% | 12.63% | 5.01% | -0.30% | 2.18% | 7.51% | 8.40% | 12.77% | +1,307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.51% | 0.41% | 0.42% | 0.41% | 0.40% | 0.53% | 0.53% | 0.51% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.97% | 8.88% | 9.07% | 9.76% | 9.17% | 8.45% | 8.47% | 8.76% | -100 bps | |
| Net Worth / Assets | 8.97% | 8.88% | 9.07% | 9.76% | 9.17% | 8.45% | 8.47% | 8.76% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.72% | 84.61% | 82.91% | 89.30% | 85.20% | 75.77% | 75.56% | 78.43% | -1,087 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |