Champaign, IL · Charter 65186
NCUA · 2 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 | 1.55% | 1.28% | 0.79% | 0.03% | 0.28% | 0.61% | 0.98% | 1.25% | +122 bps | |
| Return on Equity | 11.58% | 10.34% | 6.88% | 0.27% | 2.26% | 4.57% | 8.11% | 10.22% | +995 bps | |
| Net Interest Margin | 4.71% | 4.41% | 3.60% | 3.89% | 3.71% | 4.38% | 3.86% | 4.21% | +32 bps | |
| Efficiency Ratio | 62.82% | 64.15% | 74.07% | 81.62% | 79.40% | 76.58% | 81.50% | 78.03% | -359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.32% | 7.87% | 8.39% | 2.41% | 1.57% | -8.71% | -9.03% | 1.40% | -100 bps | |
| Loan Growth (YoY) | 9.00% | 5.41% | 2.27% | 1.57% | 2.11% | 4.76% | 1.53% | -2.91% | -448 bps | |
| Share Growth (YoY) | 0.30% | 6.40% | 9.33% | 3.45% | -2.88% | -9.65% | -9.75% | 1.53% | -192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.40% | 4.58% | 4.70% | 2.74% | 2.30% | 2.09% | 1.67% | 1.85% | -89 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 | 13.34% | 12.42% | 11.46% | 12.39% | 12.42% | 13.25% | 12.04% | 12.26% | -12 bps | |
| Net Worth / Assets | 13.34% | 12.42% | 11.46% | 12.39% | 12.42% | 13.25% | 12.04% | 12.26% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.70% | 48.44% | 46.33% | 51.76% | 54.36% | 56.17% | 52.12% | 49.50% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |