Morrison, IL · Charter 68343
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 | 1.08% | 1.07% | 1.00% | 1.39% | 1.21% | 1.07% | 0.51% | 0.63% | -76 bps | |
| Return on Equity | 10.10% | 9.90% | 9.49% | 13.21% | 10.92% | 9.77% | 4.41% | 5.35% | -787 bps | |
| Net Interest Margin | 4.33% | 4.24% | 4.01% | 4.32% | 4.10% | 4.02% | 4.07% | 4.27% | -5 bps | |
| Efficiency Ratio | 77.86% | 77.03% | 76.90% | 69.97% | 73.60% | 75.42% | 87.69% | 85.79% | +1,582 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.28% | -2.22% | 0.97% | 6.47% | 7.45% | 8.35% | -0.08% | -4.04% | -1,051 bps | |
| Loan Growth (YoY) | -0.44% | -0.38% | -0.71% | -1.22% | -2.50% | -4.05% | -3.93% | -4.81% | -359 bps | |
| Share Growth (YoY) | -2.49% | -3.71% | -0.29% | 5.78% | 6.92% | 8.04% | -1.22% | -5.50% | -1,128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.91% | 0.79% | 0.11% | 0.22% | 0.79% | 0.69% | 0.22% | +11 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 | 10.72% | 10.79% | 10.52% | 10.54% | 11.07% | 10.97% | 11.47% | 11.84% | +130 bps | |
| Net Worth / Assets | 10.72% | 10.79% | 10.52% | 10.54% | 11.07% | 10.97% | 11.47% | 11.84% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.45% | 74.72% | 69.70% | 68.23% | 68.80% | 66.36% | 67.78% | 68.73% | +50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |