Edwardsville, IL · Charter 65046
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 | 1.07% | 0.98% | 1.16% | 1.17% | 1.12% | 1.15% | 0.56% | 0.68% | -49 bps | |
| Return on Equity | 10.47% | 9.95% | 11.56% | 11.44% | 10.78% | 10.77% | 5.26% | 6.43% | -501 bps | |
| Net Interest Margin | 4.17% | 3.96% | 3.95% | 4.04% | 4.10% | 4.11% | 4.08% | 4.07% | +3 bps | |
| Efficiency Ratio | 66.78% | 68.70% | 71.69% | 72.01% | 73.21% | 72.98% | 84.65% | 82.51% | +1,050 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.60% | -2.18% | 3.07% | 6.05% | 8.59% | 4.09% | 4.22% | 5.32% | -73 bps | |
| Loan Growth (YoY) | 4.15% | -0.16% | -4.09% | -4.08% | 1.33% | 4.10% | 7.40% | 8.98% | +1,306 bps | |
| Share Growth (YoY) | -8.06% | -2.78% | 2.63% | 6.03% | 8.14% | 3.02% | 3.32% | 4.78% | -125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 0.79% | 0.66% | 0.24% | 0.21% | 0.79% | 0.30% | 0.22% | -2 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 | 10.17% | 9.90% | 10.03% | 10.20% | 10.41% | 10.64% | 10.59% | 10.56% | +35 bps | |
| Net Worth / Assets | 10.17% | 9.90% | 10.03% | 10.20% | 10.41% | 10.64% | 10.59% | 10.56% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.24% | 44.66% | 43.20% | 43.40% | 45.20% | 45.13% | 44.91% | 45.14% | +174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |