Spring Valley, IL · Charter 64731
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 | 2.04% | 0.93% | 1.99% | 1.56% | 1.28% | 0.57% | 0.75% | 0.56% | -100 bps | |
| Return on Equity | 7.41% | 3.37% | 6.73% | 5.36% | 4.28% | 1.93% | 2.41% | 1.86% | -350 bps | |
| Net Interest Margin | 5.32% | 4.92% | 6.16% | 5.34% | 5.24% | 4.75% | 5.19% | 4.51% | -83 bps | |
| Efficiency Ratio | 63.09% | 81.85% | 69.38% | 72.09% | 76.72% | 88.65% | 85.96% | 87.87% | +1,579 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.60% | -6.58% | -6.49% | -5.14% | -6.48% | -3.52% | -3.70% | -3.30% | +184 bps | |
| Loan Growth (YoY) | -14.14% | -12.10% | -23.28% | -19.49% | -20.68% | -27.65% | -13.14% | -19.03% | +46 bps | |
| Share Growth (YoY) | -12.91% | -9.69% | -9.79% | -8.26% | -9.26% | -5.88% | -5.52% | -4.41% | +384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.58% | 10.04% | 5.48% | 9.48% | 5.18% | 4.04% | 0.36% | 1.07% | -841 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 | 10.33% | 10.50% | 8.51% | 8.66% | 9.72% | 11.20% | 10.88% | 11.95% | +329 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.54% | 27.72% | 29.49% | 29.14% | 29.81% | 29.38% | 30.97% | 30.27% | +112 bps | |
| Net Worth / Assets | 27.54% | 27.72% | 29.49% | 29.14% | 29.81% | 29.38% | 30.97% | 30.27% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 120.90% | 122.31% | 114.07% | 110.73% | 105.69% | 94.02% | 104.87% | 93.80% | -1,693 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |