PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rock Valley

Loves Park, IL · Charter 68687

NCUA · 3 branches

Q2 2026

$174.4MAssets
$138.5MLoans
$152.7MShares
$20.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.09%, down 148 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.69% of loans (-27 bps YoY).
  • Capital: net worth / assets of 11.50%, down 18 bps from a year ago.
  • Funding: loans stand at 90.72% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.09%-148 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+33 bps YoY

Efficiency Ratio (YTD, annualized)

88.76%+1,570 bps YoY

Net Worth / Assets

11.50%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.34%1.40%1.57%1.23%0.91%0.14%0.09%-148 bps
Return on Equity3.56%2.98%12.22%13.43%10.26%7.84%1.27%0.80%-1,263 bps
Net Interest Margin3.48%3.49%3.78%3.82%3.95%3.91%3.94%4.15%+33 bps
Efficiency Ratio88.43%89.49%74.56%73.06%77.78%80.31%91.22%88.76%+1,570 bps
Growth
Asset Growth (YoY)4.72%4.08%2.57%6.94%4.37%6.21%7.06%3.03%-391 bps
Loan Growth (YoY)8.15%7.43%5.53%3.74%2.44%3.01%5.14%5.24%+150 bps
Share Growth (YoY)3.72%4.17%3.52%7.40%7.46%8.70%8.53%3.77%-362 bps
Asset Quality
Delinquent Loans / Loans0.77%0.68%0.70%0.97%0.85%0.94%0.84%0.69%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.49%11.37%11.43%11.68%11.94%11.60%11.25%11.50%-18 bps
Net Worth / Assets11.49%11.37%11.43%11.68%11.94%11.60%11.25%11.50%-18 bps
Liquidity & Funding
Loans / Shares95.01%93.51%89.25%89.46%90.58%88.62%86.47%90.72%+126 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps