Alton, IL · Charter 65259
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 | -0.54% | 0.00% | -2.00% | -0.19% | 0.17% | 0.96% | -0.16% | 0.73% | +92 bps | |
| Return on Equity | -2.94% | -0.02% | -10.85% | -0.97% | 0.88% | 4.66% | -0.81% | 3.65% | +462 bps | |
| Net Interest Margin | 5.94% | 6.09% | 5.31% | 5.49% | 5.39% | 5.62% | 5.49% | 5.45% | -4 bps | |
| Efficiency Ratio | 77.48% | 74.13% | 104.42% | 87.87% | 83.72% | 76.47% | 98.34% | 84.42% | -345 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.83% | -5.17% | -3.40% | -6.86% | -1.92% | -2.45% | 0.35% | 2.38% | +924 bps | |
| Loan Growth (YoY) | 6.77% | 4.88% | 3.14% | -0.53% | -2.29% | 5.92% | 4.31% | -3.31% | -278 bps | |
| Share Growth (YoY) | -9.75% | -6.22% | -4.28% | -8.62% | -3.03% | -4.21% | -1.25% | 1.23% | +984 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.40% | 0.44% | 0.47% | 0.22% | 0.06% | 0.19% | 0.00% | -47 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 | 0.41% | 1.00% | 2.09% | 2.12% | 1.95% | 1.57% | 1.72% | 1.88% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.33% | 19.23% | 18.45% | 19.09% | 19.22% | 20.68% | 19.77% | 20.02% | +93 bps | |
| Net Worth / Assets | 18.33% | 19.23% | 18.45% | 19.09% | 19.22% | 20.68% | 19.77% | 20.02% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.27% | 71.34% | 67.79% | 70.70% | 69.80% | 78.88% | 71.62% | 67.54% | -317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |