Savanna, IL · Charter 95042
NCUA · 3 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 | 1.25% | 1.20% | 1.28% | 1.35% | 1.31% | 1.10% | 0.26% | 0.62% | -73 bps | |
| Return on Equity | 10.10% | 9.59% | 10.36% | 10.21% | 9.64% | 8.45% | 1.97% | 4.60% | -561 bps | |
| Net Interest Margin | 4.75% | 4.73% | 4.72% | 4.93% | 5.00% | 4.62% | 4.07% | 4.33% | -60 bps | |
| Efficiency Ratio | 76.84% | 77.66% | 75.28% | 74.86% | 75.24% | 77.56% | 93.86% | 86.91% | +1,205 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.65% | -5.07% | -1.11% | -1.45% | -0.75% | 3.43% | 0.58% | 3.12% | +456 bps | |
| Loan Growth (YoY) | -5.92% | -8.01% | -9.22% | -6.93% | -1.78% | 2.69% | 8.48% | 11.59% | +1,853 bps | |
| Share Growth (YoY) | -4.60% | -6.57% | -2.22% | -2.79% | -2.21% | 2.54% | -0.41% | 2.64% | +543 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.02% | 0.00% | 0.19% | 0.21% | 0.22% | 0.11% | 0.13% | -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 | 12.40% | 12.51% | 12.39% | 13.20% | 13.61% | 13.05% | 13.02% | 13.42% | +22 bps | |
| Net Worth / Assets | 12.40% | 12.51% | 12.39% | 13.20% | 13.61% | 13.05% | 13.02% | 13.42% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.06% | 83.79% | 77.85% | 82.10% | 87.44% | 83.91% | 84.80% | 89.26% | +716 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |