Lockport, IL · Charter 68508
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 | 0.23% | 0.34% | 0.63% | 0.77% | 0.88% | 0.85% | 1.05% | 1.40% | +63 bps | |
| Return on Equity | 2.30% | 3.44% | 6.62% | 7.80% | 8.31% | 7.97% | 9.93% | 12.59% | +479 bps | |
| Net Interest Margin | 2.92% | 2.91% | 3.09% | 3.29% | 3.49% | 3.52% | 3.63% | 3.89% | +60 bps | |
| Efficiency Ratio | 88.08% | 86.52% | 85.02% | 78.27% | 75.05% | 75.16% | 77.13% | 73.54% | -473 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.60% | -0.13% | 2.03% | 2.32% | 2.26% | 0.00% | -1.51% | -0.95% | -327 bps | |
| Loan Growth (YoY) | -19.25% | -19.37% | -19.11% | -13.33% | -12.64% | -13.63% | -11.64% | -9.02% | +431 bps | |
| Share Growth (YoY) | -5.39% | -0.51% | 1.62% | 1.81% | 1.60% | -0.95% | -2.67% | -2.34% | -415 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.18% | 0.16% | 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 | 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 | 9.93% | 9.86% | 9.52% | 9.90% | 10.54% | 10.71% | 10.59% | 11.14% | +124 bps | |
| Net Worth / Assets | 9.93% | 9.86% | 9.52% | 9.90% | 10.54% | 10.71% | 10.59% | 11.14% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.58% | 30.78% | 27.70% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |