Quincy, IL · Charter 65426
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 | 1.13% | 0.79% | 0.30% | 0.39% | 0.42% | 0.43% | 0.34% | 0.45% | +6 bps | |
| Return on Equity | 6.82% | 4.78% | 1.83% | 2.39% | 2.50% | 2.60% | 2.08% | 2.80% | +41 bps | |
| Net Interest Margin | 2.24% | 2.22% | 2.02% | 2.33% | 2.11% | 2.08% | 1.99% | 2.00% | -33 bps | |
| Efficiency Ratio | 56.34% | 66.01% | 84.48% | 80.19% | 78.80% | 78.74% | 81.76% | 77.35% | -284 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.78% | -1.49% | -0.29% | 0.96% | -0.42% | 2.83% | 5.08% | 3.49% | +254 bps | |
| Loan Growth (YoY) | 2.21% | -1.17% | -2.31% | -3.46% | -4.59% | -5.63% | -4.73% | -4.24% | -78 bps | |
| Share Growth (YoY) | -4.02% | -2.35% | -1.57% | 0.63% | -0.82% | 3.07% | 5.75% | 3.84% | +321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.86% | 0.31% | 0.15% | 0.16% | 0.26% | 0.41% | 0.17% | +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 | 16.49% | 16.59% | 16.53% | 16.18% | 16.78% | 16.54% | 16.14% | 16.08% | -10 bps | |
| Net Worth / Assets | 16.49% | 16.59% | 16.53% | 16.18% | 16.78% | 16.54% | 16.14% | 16.08% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.10% | 94.44% | 93.58% | 89.63% | 91.48% | 86.47% | 84.30% | 82.66% | -697 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |