Elgin, IL · Charter 68215
NCUA · 13 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 | 1.20% | 0.76% | -0.88% | -0.35% | -0.07% | 0.04% | 0.46% | 0.35% | +70 bps | |
| Return on Equity | 8.74% | 5.59% | -6.73% | -2.67% | -0.56% | 0.27% | 3.94% | 2.94% | +561 bps | |
| Net Interest Margin | 3.10% | 3.13% | 3.31% | 3.42% | 3.47% | 3.51% | 3.24% | 3.55% | +13 bps | |
| Efficiency Ratio | 73.09% | 78.46% | 113.21% | 100.10% | 91.80% | 87.54% | 84.22% | 89.23% | -1,087 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.67% | -4.03% | -0.37% | -0.28% | 2.31% | 0.56% | 15.84% | 14.04% | +1,432 bps | |
| Loan Growth (YoY) | -0.49% | -1.49% | -0.11% | 2.24% | 6.10% | 2.80% | 22.13% | 18.99% | +1,675 bps | |
| Share Growth (YoY) | 12.60% | 13.69% | -1.31% | -1.55% | 2.23% | 3.85% | 19.44% | 20.13% | +2,168 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.47% | 0.56% | 0.70% | 0.64% | 0.84% | 0.94% | 0.79% | +9 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 | 13.78% | 13.58% | 13.09% | 13.14% | 13.20% | 13.46% | 11.70% | 11.95% | -119 bps | |
| Net Worth / Assets | 13.78% | 13.58% | 13.09% | 13.14% | 13.20% | 13.46% | 11.70% | 11.95% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.38% | 90.54% | 88.06% | 90.03% | 91.72% | 89.62% | 90.05% | 89.18% | -85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |