PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Illinois State Police

Springfield, IL · Charter 17335

NCUA · 1 branch

Q2 2026

$126.9MAssets
$26.0MLoans
$113.4MShares
$13.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.73%, up 35 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.01% of loans (-4 bps YoY).
  • Capital: net worth / assets of 10.35%, up 39 bps from a year ago.
  • Funding: loans stand at 22.91% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.73%+35 bps YoY

Net Interest Margin (quarter, annualized)

2.83%+13 bps YoY

Efficiency Ratio (quarter, annualized)

76.90%-645 bps YoY

Net Worth / Assets

10.35%+39 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.14%-0.33%0.38%0.55%0.72%0.31%0.73%+35 bps
Return on Equity12.50%10.94%-3.34%3.84%5.39%6.90%3.06%7.06%+322 bps
Net Interest Margin3.57%3.48%2.12%2.70%2.88%2.97%2.46%2.83%+13 bps
Efficiency Ratio65.48%70.90%103.98%83.35%79.64%76.36%88.89%76.90%-645 bps
Growth
Asset Growth (YoY)-4.38%0.67%5.61%7.87%7.90%7.92%6.19%5.13%-274 bps
Loan Growth (YoY)-11.11%-9.78%-7.03%-3.58%-2.25%-2.50%-6.54%-10.01%-643 bps
Share Growth (YoY)-6.32%-0.64%4.92%7.79%8.10%7.78%6.06%4.56%-323 bps
Asset Quality
Delinquent Loans / Loans0.55%0.08%0.08%0.05%0.29%0.06%0.08%0.01%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.38%10.42%9.85%9.96%10.20%10.37%10.04%10.35%+39 bps
Net Worth / Assets10.38%10.42%9.85%9.96%10.20%10.37%10.04%10.35%+39 bps
Liquidity & Funding
Loans / Shares29.58%28.07%26.62%26.61%26.75%25.39%23.46%22.91%-371 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps