Lockport, IL · Charter 68508
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.88% | 0.85% | 1.05% | 1.40% | +63 bps | |
| Return on Equity | 7.80% | 8.31% | 7.97% | 9.93% | 12.59% | +479 bps | |
| Net Interest Margin | 3.29% | 3.49% | 3.52% | 3.63% | 3.89% | +60 bps | |
| Efficiency Ratio | 78.27% | 75.05% | 75.16% | 77.13% | 73.54% | -473 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.32% | 2.26% | 0.00% | -1.51% | -0.95% | -327 bps | |
| Loan Growth (YoY) | -13.33% | -12.64% | -13.63% | -11.64% | -9.02% | +431 bps | |
| Share Growth (YoY) | 1.81% | 1.60% | -0.95% | -2.67% | -2.34% | -415 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.26% | 0.76% | 0.52% | 0.23% | -12 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.90% | 10.54% | 10.71% | 10.59% | 11.14% | +124 bps | |
| Net Worth / Assets | 9.90% | 10.54% | 10.71% | 10.59% | 11.14% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.97% | 28.88% | 26.84% | 25.15% | 26.06% | -191 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |