PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Blackhawk Area

Savanna, IL · Charter 95042

NCUA · 3 branches

Q2 2026

$39.1MAssets
$30.8MLoans
$34.5MShares
$5.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.62%, down 73 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.13% of loans (-6 bps YoY).
  • Capital: net worth / assets of 13.42%, up 22 bps from a year ago.
  • Funding: loans stand at 89.26% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.62%-73 bps YoY

Net Interest Margin (quarter, annualized)

4.33%-60 bps YoY

Efficiency Ratio (quarter, annualized)

86.91%+1,205 bps YoY

Net Worth / Assets

13.42%+22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.31%1.10%0.26%0.62%-73 bps
Return on Equity10.21%9.64%8.45%1.97%4.60%-561 bps
Net Interest Margin4.93%5.00%4.62%4.07%4.33%-60 bps
Efficiency Ratio74.86%75.24%77.56%93.86%86.91%+1,205 bps
Growth
Asset Growth (YoY)-1.45%-0.75%3.43%0.58%3.12%+456 bps
Loan Growth (YoY)-6.93%-1.78%2.69%8.48%11.59%+1,853 bps
Share Growth (YoY)-2.79%-2.21%2.54%-0.41%2.64%+543 bps
Asset Quality
Delinquent Loans / Loans0.19%0.21%0.22%0.11%0.13%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.20%13.61%13.05%13.02%13.42%+22 bps
Net Worth / Assets13.20%13.61%13.05%13.02%13.42%+22 bps
Liquidity & Funding
Loans / Shares82.10%87.44%83.91%84.80%89.26%+716 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps