Zion, IL · Charter 67024
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.15% | 1.35% | 0.73% | 0.30% | 3.93% | +178 bps | |
| Return on Equity | 11.44% | 7.35% | 4.17% | 1.81% | 20.77% | +933 bps | |
| Net Interest Margin | 3.91% | 2.97% | 2.19% | 1.82% | 5.41% | +150 bps | |
| Efficiency Ratio | 45.42% | 54.76% | 67.02% | 83.63% | 27.64% | -1,778 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.74% | 26.48% | 24.46% | 15.73% | 8.97% | -1,378 bps | |
| Loan Growth (YoY) | 94.83% | 97.53% | 106.04% | 57.58% | -10.55% | -10,538 bps | |
| Share Growth (YoY) | 27.14% | 32.70% | 29.75% | 20.18% | 8.78% | -1,836 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.23% | 7.30% | 6.17% | 5.44% | 3.97% | -326 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 21.88% | 23.71% | 22.49% | 23.13% | 24.46% | +258 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.77% | 18.40% | 17.44% | 16.73% | 18.91% | +14 bps | |
| Net Worth / Assets | 18.77% | 18.40% | 17.44% | 16.73% | 18.91% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.45% | 24.77% | 24.83% | 22.85% | 22.58% | -488 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |