PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

A.S.H. Employees

Anna, IL · Charter 64967

NCUA · 1 branch

Q2 2026

$5.6MAssets
$4.3MLoans
$4.5MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.30%, down 7 bps year over year; NIM at 5.44%.
  • Asset quality: problem loans at 0.43% of loans (+13 bps YoY).
  • Capital: net worth / assets of 19.83%, up 105 bps from a year ago.
  • Funding: loans stand at 97.40% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.30%-7 bps YoY

Net Interest Margin (YTD, annualized)

5.44%-17 bps YoY

Efficiency Ratio (YTD, annualized)

76.70%+46 bps YoY

Net Worth / Assets

19.83%+105 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.20%2.15%1.05%1.38%1.60%1.89%0.95%1.30%-7 bps
Return on Equity12.21%11.30%5.76%7.33%8.43%9.20%4.88%6.57%-76 bps
Net Interest Margin5.91%5.98%5.27%5.61%5.65%6.21%4.96%5.44%-17 bps
Efficiency Ratio63.61%64.95%80.68%76.24%72.59%70.42%81.33%76.70%+46 bps
Growth
Asset Growth (YoY)-5.04%-1.39%2.92%3.19%3.78%1.82%2.67%3.88%+69 bps
Loan Growth (YoY)-7.86%-11.07%-12.95%0.57%11.26%12.70%6.30%2.16%+159 bps
Share Growth (YoY)-7.22%-4.18%1.34%1.79%2.40%-0.27%1.08%2.53%+74 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.23%0.30%0.34%0.23%0.07%0.43%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.29%2.77%2.75%2.21%2.16%2.33%2.38%2.46%+25 bps
Capital
Risk-Based Capital17.99%18.99%18.27%18.78%18.95%20.54%19.56%19.83%+105 bps
Net Worth / Assets17.99%18.99%18.27%18.78%18.95%20.54%19.56%19.83%+105 bps
Liquidity & Funding
Loans / Shares90.17%92.23%90.31%97.75%97.96%104.23%94.97%97.40%-35 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps