Aurora, IL · Charter 65906
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 | 1.37% | 1.60% | 1.28% | 0.91% | 1.11% | 0.67% | 3.18% | 0.15% | -76 bps | |
| Return on Equity | 6.68% | 7.88% | 6.36% | 4.53% | 5.40% | 3.24% | 14.95% | 0.71% | -382 bps | |
| Net Interest Margin | 4.92% | 4.29% | 6.15% | 5.35% | 5.56% | 5.53% | 7.22% | 5.65% | +30 bps | |
| Efficiency Ratio | 72.54% | 63.40% | 79.56% | 83.34% | 80.41% | 88.00% | 65.85% | 97.40% | +1,406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.80% | -8.46% | -6.26% | -2.54% | 0.99% | 1.05% | -0.16% | -2.65% | -11 bps | |
| Loan Growth (YoY) | -5.86% | -8.42% | -13.48% | -12.37% | -9.77% | -7.80% | -8.85% | -11.18% | +119 bps | |
| Share Growth (YoY) | -11.20% | -10.70% | -8.05% | -4.24% | 0.75% | 0.06% | -1.72% | -4.47% | -23 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.35% | 2.63% | 2.24% | 5.36% | 6.44% | 6.63% | 2.50% | 6.11% | +75 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 | 2.49% | 3.04% | 3.38% | 3.09% | 3.24% | 2.90% | 1.44% | 2.02% | -107 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.56% | 20.31% | 20.11% | 20.00% | 20.46% | 20.77% | 21.28% | 20.82% | +83 bps | |
| Net Worth / Assets | 20.56% | 20.31% | 20.11% | 20.00% | 20.46% | 20.77% | 21.28% | 20.82% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.93% | 95.30% | 86.51% | 90.87% | 87.70% | 87.81% | 80.23% | 84.49% | -638 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |