Forsyth, IL · Charter 68597
NCUA · 6 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 | 0.46% | 0.38% | 0.22% | 0.42% | 0.40% | 0.29% | 0.05% | 0.23% | -19 bps | |
| Return on Equity | 3.88% | 3.20% | 1.88% | 3.59% | 3.35% | 2.41% | 0.41% | 2.01% | -158 bps | |
| Net Interest Margin | 4.14% | 4.14% | 4.08% | 4.25% | 4.36% | 4.38% | 4.10% | 4.25% | 0 bps | |
| Efficiency Ratio | 86.10% | 87.51% | 92.16% | 89.43% | 89.51% | 90.48% | 96.63% | 92.03% | +260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.33% | 0.21% | 1.78% | -0.52% | 1.73% | 2.64% | 2.60% | 2.86% | +339 bps | |
| Loan Growth (YoY) | -4.46% | -4.02% | -3.23% | 0.24% | 2.89% | 1.10% | 0.39% | -2.66% | -290 bps | |
| Share Growth (YoY) | -1.99% | -1.43% | 0.01% | -2.45% | 0.44% | 1.21% | 1.73% | 2.23% | +468 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.54% | 0.49% | 0.37% | 0.42% | 0.41% | 0.46% | 0.59% | +23 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 | 11.90% | 11.88% | 11.44% | 11.79% | 12.02% | 11.85% | 11.38% | 11.64% | -15 bps | |
| Net Worth / Assets | 11.90% | 11.88% | 11.44% | 11.79% | 12.02% | 11.85% | 11.38% | 11.64% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.71% | 60.76% | 57.57% | 60.37% | 62.19% | 60.69% | 56.81% | 57.49% | -288 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |