Monticello, IL · Charter 65896
NCUA · 2 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 | 3.38% | 1.60% | 2.03% | 1.61% | 1.77% | 1.71% | 1.77% | 1.64% | +3 bps | |
| Return on Equity | 35.52% | 19.52% | 22.29% | 20.76% | 20.75% | 19.41% | 20.19% | 17.95% | -281 bps | |
| Net Interest Margin | 2.95% | 2.79% | 3.41% | 2.72% | 2.95% | 2.89% | 2.87% | 2.85% | +13 bps | |
| Efficiency Ratio | 25.42% | 59.33% | 40.44% | 40.95% | 39.92% | 52.57% | 38.53% | 42.63% | +168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.38% | 19.64% | 3.95% | 35.24% | 19.94% | 15.10% | 28.24% | 3.54% | -3,170 bps | |
| Loan Growth (YoY) | 22.64% | 21.90% | -2.42% | 32.67% | 19.74% | 4.56% | 14.44% | -23.47% | -5,613 bps | |
| Share Growth (YoY) | 26.08% | 19.27% | 2.33% | 36.33% | 21.23% | 14.31% | 28.74% | 1.98% | -3,435 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.25% | 0.23% | 0.26% | 0.19% | 0.21% | 0.22% | 0.23% | 0.25% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.51% | 8.19% | 9.10% | 7.74% | 8.54% | 8.82% | 8.75% | 9.13% | +139 bps | |
| Net Worth / Assets | 9.51% | 8.19% | 9.10% | 7.74% | 8.54% | 8.82% | 8.75% | 9.13% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.20% | 84.71% | 78.61% | 84.72% | 80.20% | 77.49% | 69.88% | 63.58% | -2,114 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |