Danville, IL · Charter 1969
NCUA · 3 branches
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 | 0.41% | 0.51% | 0.45% | 0.56% | 0.75% | +34 bps | |
| Return on Equity | 3.43% | 4.19% | 3.71% | 4.71% | 6.10% | +267 bps | |
| Net Interest Margin | 2.90% | 3.02% | 2.99% | 3.16% | 3.25% | +35 bps | |
| Efficiency Ratio | 87.57% | 85.15% | 86.47% | 80.27% | 79.66% | -791 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.84% | 5.45% | 4.19% | 2.05% | 2.54% | -329 bps | |
| Loan Growth (YoY) | -10.34% | -9.24% | -7.36% | -4.48% | 5.81% | +1,615 bps | |
| Share Growth (YoY) | 4.46% | 4.74% | 3.31% | 1.26% | 2.25% | -222 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 1.39% | 1.16% | 0.65% | 0.60% | +28 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 | 11.96% | 12.30% | 12.21% | 11.96% | 12.26% | +29 bps | |
| Net Worth / Assets | 11.96% | 12.30% | 12.21% | 11.96% | 12.26% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.04% | 48.55% | 47.66% | 44.88% | 50.74% | +171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |