Moline, IL · Charter 68598
NCUA · 34 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 | 0.27% | 0.23% | 0.50% | 0.50% | 0.43% | 0.48% | 0.80% | 0.74% | +24 bps | |
| Return on Equity | 3.15% | 3.06% | 6.34% | 6.10% | 5.32% | 6.15% | 9.95% | 8.93% | +283 bps | |
| Net Interest Margin | 2.31% | 2.06% | 2.75% | 2.82% | 2.78% | 2.73% | 2.91% | 2.94% | +12 bps | |
| Efficiency Ratio | 81.74% | 80.96% | 77.97% | 78.31% | 78.95% | 78.43% | 75.82% | 76.12% | -219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.45% | 12.74% | 9.57% | 8.71% | 12.82% | 1.49% | 4.52% | 5.79% | -292 bps | |
| Loan Growth (YoY) | -2.05% | 8.45% | 10.43% | 11.24% | 12.09% | 4.11% | 4.43% | 3.86% | -737 bps | |
| Share Growth (YoY) | 4.77% | 13.85% | 10.49% | 9.37% | 9.40% | 1.10% | 4.44% | 5.68% | -369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.61% | 0.48% | 0.66% | 0.68% | 0.54% | 0.47% | 0.59% | -6 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 | 8.63% | 7.51% | 7.86% | 8.13% | 8.00% | 7.85% | 8.06% | 8.28% | +15 bps | |
| Net Worth / Assets | 8.63% | 7.51% | 7.86% | 8.13% | 8.00% | 7.85% | 8.06% | 8.28% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.62% | 90.71% | 93.25% | 97.74% | 100.02% | 93.41% | 93.24% | 96.06% | -168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |