PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Illiana Financial

Calumet City, IL · Charter 68425

NCUA · 4 branches

Q2 2026

$264.2MAssets
$114.0MLoans
$227.5MShares
$45.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.35%, down 11 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 1.34% of loans (-23 bps YoY).
  • Capital: net worth / assets of 17.36%, down 25 bps from a year ago.
  • Funding: loans stand at 50.12% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.35%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.47%-17 bps YoY

Efficiency Ratio (YTD, annualized)

86.01%+659 bps YoY

Net Worth / Assets

17.36%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.35%0.15%0.46%0.55%0.53%0.15%0.35%-11 bps
Return on Equity1.73%2.00%0.86%2.62%3.10%2.94%0.88%2.01%-61 bps
Net Interest Margin3.60%3.63%3.59%3.64%3.64%3.63%3.49%3.47%-17 bps
Efficiency Ratio80.82%81.21%87.48%79.42%78.04%78.67%93.04%86.01%+659 bps
Growth
Asset Growth (YoY)-1.33%-1.58%-0.94%-1.63%-1.04%-0.03%2.31%4.53%+616 bps
Loan Growth (YoY)-1.35%-2.28%-2.91%-5.02%-6.70%-7.23%-7.97%-7.89%-286 bps
Share Growth (YoY)-4.52%-3.02%-1.94%-2.45%-1.33%-0.86%1.25%4.23%+668 bps
Asset Quality
Delinquent Loans / Loans1.57%1.90%1.88%1.57%1.50%1.69%1.73%1.34%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.08%17.32%17.14%17.61%17.80%17.91%17.32%17.36%-25 bps
Net Worth / Assets17.08%17.32%17.14%17.61%17.80%17.91%17.32%17.36%-25 bps
Liquidity & Funding
Loans / Shares59.36%58.76%56.52%56.72%56.13%54.98%51.38%50.12%-659 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps