Salem, IL · Charter 65346
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 | 0.97% | 1.33% | 2.22% | 2.26% | 1.76% | 1.19% | 1.19% | 1.19% | -107 bps | |
| Return on Equity | 3.10% | 4.27% | 7.18% | 7.26% | 5.60% | 3.82% | 3.77% | 3.86% | -340 bps | |
| Net Interest Margin | 5.06% | 4.76% | 5.44% | 5.22% | 5.20% | 4.65% | 5.29% | 4.91% | -31 bps | |
| Efficiency Ratio | 70.21% | 67.22% | 59.16% | 56.71% | 56.93% | 66.72% | 62.05% | 61.41% | +470 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.73% | 2.56% | 6.81% | 7.47% | 4.84% | 4.06% | 0.71% | 3.01% | -445 bps | |
| Loan Growth (YoY) | 3.67% | 4.33% | 10.81% | 4.37% | 4.22% | 1.45% | -5.80% | -2.57% | -695 bps | |
| Share Growth (YoY) | 0.84% | 1.70% | 7.67% | 8.12% | 4.74% | 4.10% | -0.31% | 3.48% | -463 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 2.14% | 1.55% | 1.58% | 1.16% | 1.13% | 0.00% | 0.00% | -158 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 | 1.22% | 0.96% | 0.84% | 0.87% | 0.94% | 0.93% | 0.31% | 0.53% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.36% | 31.17% | 30.93% | 31.13% | 31.44% | 31.14% | 31.63% | 30.85% | -28 bps | |
| Net Worth / Assets | 31.36% | 31.17% | 30.93% | 31.13% | 31.44% | 31.14% | 31.63% | 30.85% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.74% | 115.95% | 116.32% | 110.99% | 112.17% | 112.99% | 109.91% | 104.49% | -650 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |