PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Farm

Bloomington, IL · Charter 1273

NCUA · 1 branch

Q2 2026

$5.7BAssets
$1.0BLoans
$5.0BShares
$743.9MNet 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 0.46%, down 16 bps year over year; NIM at 0.68%.
  • Asset quality: problem loans at 0.31% of loans (+8 bps YoY).
  • Capital: net worth / assets of 13.03%, down 160 bps from a year ago.
  • Funding: loans stand at 20.19% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.46%-16 bps YoY

Net Interest Margin (quarter, annualized)

0.68%-13 bps YoY

Efficiency Ratio (quarter, annualized)

39.51%+198 bps YoY

Net Worth / Assets

13.03%-160 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.56%0.51%0.41%0.46%-16 bps
Return on Equity4.21%3.94%3.69%3.12%3.51%-70 bps
Net Interest Margin0.80%0.76%0.70%0.66%0.68%-13 bps
Efficiency Ratio37.53%38.52%39.63%39.53%39.51%+198 bps
Growth
Asset Growth (YoY)14.60%16.90%19.47%18.63%15.91%+131 bps
Loan Growth (YoY)-1.78%-2.20%-1.38%-2.05%-2.75%-97 bps
Share Growth (YoY)14.84%19.11%21.35%21.26%18.86%+402 bps
Asset Quality
Delinquent Loans / Loans0.23%0.19%0.24%0.08%0.31%+8 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 Capital14.63%14.24%13.79%13.11%13.03%-160 bps
Net Worth / Assets14.63%14.24%13.79%13.11%13.03%-160 bps
Liquidity & Funding
Loans / Shares24.68%23.55%22.61%20.67%20.19%-449 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps