Normal, IL · Charter 64920
NCUA · 5 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 | 0.80% | 0.46% | 0.57% | 0.70% | 0.63% | 0.67% | 1.00% | 0.97% | +27 bps | |
| Return on Equity | 7.22% | 4.19% | 5.51% | 6.54% | 5.79% | 6.40% | 9.70% | 9.02% | +248 bps | |
| Net Interest Margin | 4.28% | 3.98% | 4.67% | 4.56% | 4.57% | 4.32% | 4.81% | 4.77% | +21 bps | |
| Efficiency Ratio | 74.19% | 79.02% | 77.78% | 74.67% | 73.99% | 74.03% | 74.15% | 72.27% | -240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.60% | 6.71% | 9.75% | 9.15% | 6.76% | 10.46% | 8.40% | 8.06% | -109 bps | |
| Loan Growth (YoY) | -1.41% | 12.30% | 14.54% | 17.99% | 20.81% | 10.34% | 12.66% | 13.71% | -428 bps | |
| Share Growth (YoY) | 3.03% | 6.82% | 10.13% | 9.22% | 6.80% | 10.78% | 8.37% | 8.07% | -115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 0.58% | 0.55% | 0.52% | 0.62% | 0.43% | 0.46% | 0.54% | +3 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 | 11.12% | 10.89% | 10.39% | 10.73% | 10.94% | 10.54% | 10.35% | 10.74% | +2 bps | |
| Net Worth / Assets | 11.12% | 10.89% | 10.39% | 10.73% | 10.94% | 10.54% | 10.35% | 10.74% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.89% | 85.07% | 80.61% | 85.74% | 89.23% | 84.74% | 83.80% | 90.22% | +448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |