Springfield, IL · Charter 17335
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
86
Profitability
30
Liquidity
0
Efficiency
48
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Springfield, IL · Charter 17335
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.55% | 0.72% | 0.31% | 0.73% | +35 bps | |
| Return on Equity | 3.84% | 5.39% | 6.90% | 3.06% | 7.06% | +322 bps | |
| Net Interest Margin | 2.70% | 2.88% | 2.97% | 2.46% | 2.83% | +13 bps | |
| Efficiency Ratio | 83.35% | 79.64% | 76.36% | 88.89% | 76.90% | -645 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.87% | 7.90% | 7.92% | 6.19% | 5.13% | -274 bps | |
| Loan Growth (YoY) | -3.58% | -2.25% | -2.50% | -6.54% | -10.01% | -643 bps | |
| Share Growth (YoY) | 7.79% | 8.10% | 7.78% | 6.06% | 4.56% | -323 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.29% | 0.06% | 0.08% | 0.01% | -4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.96% | 10.20% | 10.37% | 10.04% | 10.35% | +39 bps | |
| Net Worth / Assets | 9.96% | 10.20% | 10.37% | 10.04% | 10.35% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.61% | 26.75% | 25.39% | 23.46% | 22.91% | -371 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, IL · Charter 17335 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
0.73%
Rank 33 of 50
Net Interest Margin
2.83%
Rank 46 of 50
Efficiency Ratio
76.93%
Rank 27 of 50
Equity / Assets
10.35%
Rank 41 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.49% | 0.97% | 1.35% | Beats 34% | 33 / 50 | |
| Return on Equity | 7.07% | 3.76% | 7.55% | 10.28% | Beats 48% | 26 / 50 | |
| Net Interest Margin | 2.83% | 3.15% | 3.72% | 4.20% | Beats 8% | 46 / 50 | |
| Efficiency Ratio | 76.93% | 67.18% | 75.90% | 80.66% | Beats 48% | 27 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.14% | 0.47% | 0.87% | Beats 86% | 8 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.35% | 10.68% | 13.50% | 16.38% | Beats 18% | 41 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.35% | 10.68% | 13.50% | 16.38% | Beats 18% | 41 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 22.91% | 55.23% | 70.87% | 80.60% | 2nd pctl | 49 / 50 | |
| Loans / Assets | 20.47% | 43.53% | 60.64% | 68.47% | 2nd pctl | 49 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||