Machesney Park, IL · Charter 64948
NCUA · 1 branch
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 | 1.88% | 0.19% | 1.33% | 1.25% | 1.26% | 0.25% | 1.03% | 0.90% | -35 bps | |
| Return on Equity | 11.09% | 1.23% | 8.54% | 7.74% | 7.74% | 1.63% | 6.65% | 5.60% | -215 bps | |
| Net Interest Margin | 5.10% | 3.60% | 4.40% | 4.51% | 4.66% | 3.72% | 4.50% | 4.46% | -5 bps | |
| Efficiency Ratio | 65.38% | 94.90% | 71.70% | 74.11% | 74.64% | 93.77% | 78.34% | 81.28% | +717 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.03% | 2.35% | -0.68% | -0.81% | 2.83% | 2.20% | 1.64% | 0.49% | +130 bps | |
| Loan Growth (YoY) | -5.34% | -5.08% | -3.59% | -4.54% | -7.28% | -10.45% | -12.56% | -13.50% | -897 bps | |
| Share Growth (YoY) | -1.08% | 2.48% | -0.92% | -0.96% | 3.65% | 2.22% | 1.63% | 0.40% | +136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.49% | 0.59% | 0.44% | 0.42% | 0.02% | 0.02% | 0.02% | -42 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 | 17.00% | 15.44% | 15.59% | 16.16% | 16.29% | 15.35% | 15.52% | 16.17% | +1 bps | |
| Net Worth / Assets | 17.00% | 15.44% | 15.59% | 16.16% | 16.29% | 15.35% | 15.52% | 16.17% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.92% | 48.75% | 48.30% | 48.25% | 45.55% | 42.70% | 41.56% | 41.57% | -668 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |