Urbana, IL · Charter 64568
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 | 2.03% | 1.98% | 2.32% | 1.88% | 1.98% | 1.80% | 1.77% | 1.66% | -23 bps | |
| Return on Equity | 14.33% | 13.46% | 16.13% | 12.64% | 13.77% | 12.53% | 12.35% | 10.82% | -181 bps | |
| Net Interest Margin | 5.29% | 5.25% | 5.82% | 5.41% | 5.17% | 4.83% | 5.04% | 4.99% | -42 bps | |
| Efficiency Ratio | 64.07% | 64.69% | 62.11% | 67.08% | 63.67% | 64.87% | 66.82% | 68.89% | +182 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.32% | 2.68% | 6.50% | 4.33% | 12.93% | 17.14% | 13.32% | 10.20% | +586 bps | |
| Loan Growth (YoY) | 12.11% | 4.41% | 4.58% | 0.73% | -12.42% | -10.43% | -9.77% | -0.13% | -86 bps | |
| Share Growth (YoY) | 1.96% | 0.74% | 4.94% | 2.51% | 12.57% | 17.63% | 13.39% | 9.67% | +716 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.19% | 2.32% | 1.43% | 1.44% | 2.19% | 1.57% | 3.46% | 3.18% | +174 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 | 2.79% | 2.26% | 2.41% | 2.56% | 2.96% | 2.48% | 2.61% | 2.16% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.14% | 14.69% | 14.40% | 14.89% | 14.41% | 14.33% | 14.35% | 15.30% | +41 bps | |
| Net Worth / Assets | 14.14% | 14.69% | 14.40% | 14.89% | 14.41% | 14.33% | 14.35% | 15.30% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.52% | 94.22% | 87.55% | 89.41% | 74.31% | 71.75% | 69.66% | 81.42% | -799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |