PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Revity

Granite City, IL · Charter 68623

NCUA · 8 branches

Q2 2026

$526.5MAssets
$312.7MLoans
$421.4MShares
$54.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.30%, up 90 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.43% of loans (+6 bps YoY).
  • Capital: net worth / assets of 10.40%, down 66 bps from a year ago.
  • Funding: loans stand at 74.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+90 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+114 bps YoY

Efficiency Ratio (YTD, annualized)

69.93%-1,769 bps YoY

Net Worth / Assets

10.40%-66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.40%0.53%0.73%0.98%1.30%+90 bps
Return on Equity3.66%4.66%6.12%9.84%12.53%+887 bps
Net Interest Margin2.79%2.94%3.19%3.73%3.93%+114 bps
Efficiency Ratio87.62%83.95%80.43%75.98%69.93%-1,769 bps
Growth
Asset Growth (YoY)9.43%9.08%4.41%11.85%5.15%-428 bps
Loan Growth (YoY)10.70%13.17%14.54%14.56%7.18%-352 bps
Share Growth (YoY)2.17%2.25%2.28%2.72%1.93%-24 bps
Asset Quality
Delinquent Loans / Loans0.37%0.28%0.22%0.27%0.43%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.06%11.29%11.95%9.94%10.40%-66 bps
Net Worth / Assets11.06%11.29%11.95%9.94%10.40%-66 bps
Liquidity & Funding
Loans / Shares70.59%73.53%73.60%72.49%74.22%+363 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps