Shiloh, IL · Charter 65735
NCUA · 3 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 | 0.07% | 0.10% | 0.10% | 0.39% | 0.61% | 0.57% | 0.69% | 0.73% | +34 bps | |
| Return on Equity | 0.70% | 0.97% | 1.10% | 4.08% | 6.25% | 5.68% | 6.88% | 7.25% | +316 bps | |
| Net Interest Margin | 1.98% | 2.02% | 2.08% | 2.29% | 2.53% | 2.59% | 2.62% | 2.66% | +37 bps | |
| Efficiency Ratio | 91.16% | 90.19% | 93.08% | 83.95% | 77.57% | 76.53% | 77.65% | 74.78% | -916 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.88% | 6.87% | 6.18% | 6.14% | 6.85% | 4.45% | 1.53% | 2.55% | -358 bps | |
| Loan Growth (YoY) | 10.23% | 10.81% | 7.89% | 6.79% | 4.80% | 4.17% | 6.73% | 6.04% | -75 bps | |
| Share Growth (YoY) | 7.77% | 7.14% | 5.22% | 5.68% | 6.36% | 5.06% | 2.68% | 1.34% | -434 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.48% | 0.38% | 0.35% | 0.30% | 0.34% | 0.26% | 0.13% | -22 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 | 9.92% | 9.82% | 9.49% | 9.64% | 9.78% | 9.96% | 10.05% | 10.13% | +48 bps | |
| Net Worth / Assets | 9.92% | 9.82% | 9.49% | 9.64% | 9.78% | 9.96% | 10.05% | 10.13% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.06% | 53.62% | 51.66% | 53.89% | 53.26% | 53.16% | 53.70% | 56.38% | +250 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 98.10% | 0.00% | 0.00% | 0.00% | 0 bps | |