Effingham, IL · Charter 81553
NCUA · 1 branch
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 | 1.88% | 2.03% | 2.45% | 2.89% | 2.71% | 2.77% | 2.50% | 2.22% | -67 bps | |
| Return on Equity | 11.47% | 11.94% | 14.22% | 16.08% | 14.29% | 14.10% | 12.85% | 11.20% | -488 bps | |
| Net Interest Margin | 4.53% | 4.70% | 5.33% | 5.46% | 5.57% | 5.60% | 5.45% | 5.53% | +6 bps | |
| Efficiency Ratio | 59.98% | 58.30% | 55.38% | 51.43% | 52.87% | 52.19% | 55.48% | 60.94% | +951 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.58% | 0.11% | 3.79% | 0.16% | -2.30% | -1.53% | 2.61% | 3.74% | +358 bps | |
| Loan Growth (YoY) | -10.62% | -7.11% | -5.18% | -2.28% | -1.80% | -2.26% | 12.89% | 11.00% | +1,328 bps | |
| Share Growth (YoY) | -2.42% | 2.70% | 2.22% | -2.20% | -5.39% | -4.43% | -0.18% | 1.33% | +353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 1.44% | 0.60% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.98% | 0.98% | 0.91% | 0.90% | 0.91% | 0.94% | 0.89% | 0.51% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.36% | 17.03% | 17.25% | 17.96% | 18.97% | 19.62% | 19.49% | 19.83% | +186 bps | |
| Net Worth / Assets | 16.36% | 17.03% | 17.25% | 17.96% | 18.97% | 19.62% | 19.49% | 19.83% | +186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.18% | 94.45% | 90.31% | 93.87% | 97.76% | 96.60% | 102.14% | 102.83% | +896 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |