Loves Park, IL · Charter 81402
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 1.03% | 0.95% | 0.77% | 0.78% | 0.65% | 0.61% | 0.82% | +4 bps | |
| Return on Equity | 5.72% | 11.51% | 10.88% | 8.31% | 8.10% | 6.88% | 6.75% | 8.71% | +40 bps | |
| Net Interest Margin | 3.11% | 3.94% | 3.42% | 3.63% | 3.72% | 3.70% | 3.72% | 3.91% | +28 bps | |
| Efficiency Ratio | 88.71% | 79.12% | 79.26% | 79.68% | 79.50% | 80.97% | 80.80% | 78.16% | -152 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.11% | -0.93% | 0.00% | 1.17% | 3.55% | 2.95% | 4.32% | 5.98% | +481 bps | |
| Loan Growth (YoY) | 0.84% | 2.84% | 3.12% | 4.52% | 8.62% | 10.28% | 12.44% | 14.80% | +1,028 bps | |
| Share Growth (YoY) | 2.60% | -1.74% | -1.29% | 0.27% | 2.02% | 2.39% | 4.38% | 6.11% | +583 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.45% | 0.37% | 0.43% | 0.40% | 0.56% | 0.48% | 0.45% | +2 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 | 8.57% | 8.92% | 8.69% | 9.32% | 9.59% | 9.38% | 9.02% | 9.38% | +5 bps | |
| Net Worth / Assets | 8.57% | 8.92% | 8.69% | 9.32% | 9.59% | 9.38% | 9.02% | 9.38% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.73% | 70.89% | 67.56% | 71.76% | 75.30% | 76.35% | 72.77% | 77.65% | +588 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |