Granite City, IL · Charter 68623
NCUA · 8 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 | 0.44% | 0.23% | 0.25% | 0.40% | 0.53% | 0.73% | 0.98% | 1.30% | +90 bps | |
| Return on Equity | 3.67% | 1.97% | 2.16% | 3.66% | 4.66% | 6.12% | 9.84% | 12.53% | +887 bps | |
| Net Interest Margin | 2.53% | 2.56% | 2.78% | 2.79% | 2.94% | 3.19% | 3.73% | 3.93% | +114 bps | |
| Efficiency Ratio | 84.52% | 88.83% | 93.62% | 87.62% | 83.95% | 80.43% | 75.98% | 69.93% | -1,769 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.05% | 1.23% | 4.27% | 9.43% | 9.08% | 4.41% | 11.85% | 5.15% | -428 bps | |
| Loan Growth (YoY) | 7.02% | 7.63% | 6.74% | 10.70% | 13.17% | 14.54% | 14.56% | 7.18% | -352 bps | |
| Share Growth (YoY) | 2.97% | 4.44% | 3.31% | 2.17% | 2.25% | 2.28% | 2.72% | 1.93% | -24 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.38% | 0.41% | 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 | 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 | 12.08% | 11.80% | 11.55% | 11.06% | 11.29% | 11.95% | 9.94% | 10.40% | -66 bps | |
| Net Worth / Assets | 12.08% | 11.80% | 11.55% | 11.06% | 11.29% | 11.95% | 9.94% | 10.40% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.44% | 65.72% | 65.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |