Streator, IL · Charter 68226
NCUA · 7 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 | 1.22% | 1.16% | 1.37% | 1.54% | 1.48% | 0.74% | 1.36% | 1.19% | -35 bps | |
| Return on Equity | 7.61% | 7.26% | 8.72% | 9.55% | 9.06% | 4.75% | 8.88% | 7.61% | -195 bps | |
| Net Interest Margin | 4.91% | 4.82% | 4.77% | 4.87% | 4.94% | 4.27% | 4.82% | 4.84% | -3 bps | |
| Efficiency Ratio | 68.09% | 68.89% | 69.31% | 69.51% | 69.56% | 77.28% | 71.13% | 73.23% | +372 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.61% | 7.57% | 7.04% | 6.34% | 6.61% | 6.86% | 6.91% | 6.71% | +38 bps | |
| Loan Growth (YoY) | 8.88% | 4.45% | -1.10% | -1.05% | 5.86% | 6.80% | 7.59% | 6.37% | +742 bps | |
| Share Growth (YoY) | 8.69% | 7.43% | 6.87% | 5.98% | 6.16% | 7.26% | 7.28% | 7.21% | +123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.48% | 0.33% | 0.34% | 0.45% | 0.44% | 0.39% | 0.47% | +13 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 | 16.01% | 15.93% | 15.69% | 16.07% | 16.30% | 15.57% | 15.34% | 15.58% | -49 bps | |
| Net Worth / Assets | 16.01% | 15.93% | 15.69% | 16.07% | 16.30% | 15.57% | 15.34% | 15.58% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.08% | 94.34% | 89.96% | 91.36% | 96.81% | 93.93% | 90.22% | 90.65% | -71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |