Bourbonnais, IL · Charter 97095
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 | 1.30% | 1.11% | 1.22% | 1.31% | 1.38% | 1.32% | 1.15% | 1.36% | +5 bps | |
| Return on Equity | 10.69% | 9.01% | 9.82% | 10.08% | 10.20% | 9.66% | 8.60% | 10.28% | +21 bps | |
| Net Interest Margin | 3.32% | 3.35% | 3.50% | 3.69% | 3.80% | 3.77% | 3.66% | 3.72% | +2 bps | |
| Efficiency Ratio | 64.95% | 69.31% | 67.87% | 66.46% | 65.45% | 67.11% | 66.30% | 63.96% | -250 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.41% | 1.49% | 0.68% | -2.71% | -1.55% | -0.31% | 2.78% | 9.11% | +1,181 bps | |
| Loan Growth (YoY) | 1.95% | -2.38% | 0.55% | 3.16% | 2.37% | 3.13% | 2.97% | 0.52% | -264 bps | |
| Share Growth (YoY) | 1.19% | 0.36% | -0.64% | -4.49% | -3.13% | -1.95% | 1.71% | 9.00% | +1,349 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.18% | 0.14% | 0.24% | 0.17% | 0.29% | 0.09% | 0.43% | +19 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 | 12.18% | 12.27% | 12.40% | 13.02% | 13.54% | 13.62% | 13.31% | 13.23% | +20 bps | |
| Net Worth / Assets | 12.18% | 12.27% | 12.40% | 13.02% | 13.54% | 13.62% | 13.31% | 13.23% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.02% | 75.86% | 77.11% | 81.13% | 82.46% | 79.80% | 78.06% | 74.82% | -631 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |