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 | |