Galesburg, IL · Charter 65712
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 | 1.10% | 1.02% | 1.18% | 1.30% | 1.40% | 0.76% | 2.25% | 1.77% | +47 bps | |
| Return on Equity | 3.66% | 3.36% | 3.97% | 4.37% | 4.69% | 2.63% | 7.86% | 6.21% | +184 bps | |
| Net Interest Margin | 3.42% | 3.45% | 3.44% | 3.46% | 3.47% | 3.41% | 3.21% | 3.19% | -27 bps | |
| Efficiency Ratio | 61.65% | 64.02% | 57.64% | 54.17% | 53.32% | 71.73% | 27.29% | 41.33% | -1,284 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.38% | 2.76% | 3.94% | 4.78% | 5.67% | 7.35% | 7.71% | 8.30% | +353 bps | |
| Loan Growth (YoY) | -3.66% | -4.90% | -6.24% | -7.52% | -6.48% | -6.12% | -5.44% | -7.07% | +45 bps | |
| Share Growth (YoY) | 3.12% | 2.35% | 4.03% | 5.15% | 6.14% | 9.27% | 9.27% | 10.12% | +497 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.70% | 0.57% | 0.10% | 0.02% | 0.22% | 0.40% | 0.23% | +13 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 | 1.07% | 1.20% | 0.89% | 0.95% | 1.12% | 1.09% | 1.33% | 1.34% | +39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.17% | 30.30% | 29.69% | 29.78% | 29.78% | 28.99% | 28.60% | 28.51% | -127 bps | |
| Net Worth / Assets | 30.17% | 30.30% | 29.69% | 29.78% | 29.78% | 28.99% | 28.60% | 28.51% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.29% | 77.20% | 71.97% | 71.20% | 69.87% | 66.33% | 62.29% | 60.09% | -1,112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |