Bloomington, IL · Charter 68423
NCUA · 2 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 | 1.56% | 1.51% | 1.26% | 1.31% | 1.30% | 1.16% | 1.12% | 1.07% | -24 bps | |
| Return on Equity | 11.63% | 11.31% | 9.57% | 9.44% | 9.18% | 8.34% | 8.08% | 7.60% | -184 bps | |
| Net Interest Margin | 2.63% | 2.62% | 2.85% | 2.98% | 3.02% | 2.95% | 2.97% | 2.98% | +1 bps | |
| Efficiency Ratio | 56.79% | 56.03% | 62.12% | 60.82% | 60.87% | 61.32% | 65.08% | 65.80% | +498 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.04% | 7.43% | 7.50% | 4.89% | 4.38% | 4.52% | 3.29% | 6.42% | +153 bps | |
| Loan Growth (YoY) | 0.50% | 3.79% | 5.85% | 5.92% | 6.28% | 5.25% | 3.55% | 4.64% | -128 bps | |
| Share Growth (YoY) | 5.40% | 6.74% | 7.24% | 4.19% | 3.47% | 3.78% | 2.38% | 5.99% | +180 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.62% | 0.34% | 0.37% | 0.45% | 0.44% | 0.43% | 0.47% | +10 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 | 13.42% | 13.36% | 13.17% | 13.87% | 14.16% | 13.91% | 13.82% | 14.04% | +18 bps | |
| Net Worth / Assets | 13.42% | 13.36% | 13.17% | 13.87% | 14.16% | 13.91% | 13.82% | 14.04% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.19% | 68.57% | 66.81% | 69.66% | 70.04% | 69.54% | 67.58% | 68.77% | -89 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |