Edwardsville, IL · Charter 66370
NCUA · 24 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 | 0.60% | 0.39% | 0.12% | 0.57% | 0.76% | 0.63% | 1.12% | 1.14% | +57 bps | |
| Return on Equity | 6.14% | 4.05% | 1.23% | 5.94% | 7.66% | 6.40% | 11.36% | 11.21% | +527 bps | |
| Net Interest Margin | 3.79% | 3.69% | 3.71% | 3.77% | 3.89% | 3.76% | 3.77% | 3.79% | +3 bps | |
| Efficiency Ratio | 69.08% | 70.89% | 75.90% | 71.83% | 71.21% | 73.04% | 73.10% | 73.28% | +145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.57% | 0.20% | -1.82% | 1.67% | 3.24% | 3.72% | 3.54% | 2.66% | +100 bps | |
| Loan Growth (YoY) | -9.90% | -10.25% | -9.55% | -6.44% | -1.35% | 3.99% | 8.97% | 14.19% | +2,063 bps | |
| Share Growth (YoY) | 0.12% | 1.51% | -0.87% | 1.02% | 2.49% | 2.68% | 2.66% | 1.70% | +68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.11% | 1.25% | 1.18% | 0.96% | 0.93% | 1.04% | 0.75% | 0.54% | -42 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 | 9.79% | 9.54% | 9.38% | 9.51% | 9.96% | 9.79% | 9.89% | 10.14% | +62 bps | |
| Net Worth / Assets | 9.79% | 9.54% | 9.38% | 9.51% | 9.96% | 9.79% | 9.89% | 10.14% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.87% | 72.44% | 69.40% | 69.18% | 73.04% | 73.36% | 73.66% | 77.68% | +850 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |