Granite City, IL · Charter 68623
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.53% | 0.73% | 0.98% | 1.30% | +90 bps | |
| Return on Equity | 3.66% | 4.66% | 6.12% | 9.84% | 12.53% | +887 bps | |
| Net Interest Margin | 2.79% | 2.94% | 3.19% | 3.73% | 3.93% | +114 bps | |
| Efficiency Ratio | 87.62% | 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 / Loans | 0.37% | 0.28% | 0.22% | 0.27% | 0.43% | +6 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 | 11.06% | 11.29% | 11.95% | 9.94% | 10.40% | -66 bps | |
| Net Worth / Assets | 11.06% | 11.29% | 11.95% | 9.94% | 10.40% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.59% | 73.53% | 73.60% | 72.49% | 74.22% | +363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |