Bethalto, IL · Charter 63932
NCUA · 10 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 | 0.69% | 0.77% | 0.33% | 1.26% | 1.61% | 1.48% | 0.48% | 1.22% | -4 bps | |
| Return on Equity | 6.02% | 6.73% | 2.91% | 10.67% | 12.74% | 11.54% | 3.75% | 9.12% | -156 bps | |
| Net Interest Margin | 2.93% | 2.96% | 3.32% | 3.38% | 3.55% | 3.62% | 3.89% | 3.92% | +54 bps | |
| Efficiency Ratio | 76.70% | 75.59% | 83.19% | 68.23% | 64.13% | 66.29% | 81.23% | 70.32% | +209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.37% | 3.72% | 5.33% | 5.65% | 2.09% | 0.48% | -1.10% | -1.97% | -762 bps | |
| Loan Growth (YoY) | 3.38% | 3.95% | 4.21% | 3.42% | 3.29% | 2.43% | 2.75% | 1.40% | -203 bps | |
| Share Growth (YoY) | 5.10% | 6.28% | 4.98% | 5.37% | 4.07% | 3.63% | 3.56% | 2.64% | -273 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.58% | 0.42% | 0.50% | 0.45% | 0.50% | 0.42% | 2.01% | +152 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 | 11.50% | 11.51% | 11.38% | 11.76% | 12.63% | 12.84% | 12.92% | 13.33% | +157 bps | |
| Net Worth / Assets | 11.50% | 11.51% | 11.38% | 11.76% | 12.63% | 12.84% | 12.92% | 13.33% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.04% | 102.36% | 99.42% | 100.09% | 102.26% | 101.17% | 98.65% | 98.87% | -122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |