PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Plus

Rantoul, IL · Charter 24751

NCUA · 1 branch

Q2 2026

$28.1MAssets
$21.0MLoans
$22.5MShares
$5.2MNet 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 2.02%, up 78 bps year over year; NIM at 5.72%.
  • Asset quality: problem loans at 0.51% of loans (+19 bps YoY).
  • Capital: net worth / assets of 18.35%, up 40 bps from a year ago.
  • Funding: loans stand at 93.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.02%+78 bps YoY

Net Interest Margin (YTD, annualized)

5.72%+47 bps YoY

Efficiency Ratio (YTD, annualized)

66.38%-897 bps YoY

Net Worth / Assets

18.35%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.04%1.09%2.32%2.02%+78 bps
Return on Equity6.93%5.81%5.97%12.81%11.01%+408 bps
Net Interest Margin5.24%5.36%5.55%5.58%5.72%+47 bps
Efficiency Ratio75.35%74.59%75.57%66.72%66.38%-897 bps
Growth
Asset Growth (YoY)3.44%6.98%3.74%4.65%5.40%+196 bps
Loan Growth (YoY)9.97%5.31%4.35%1.10%1.51%-847 bps
Share Growth (YoY)3.28%7.86%3.35%4.29%4.89%+162 bps
Asset Quality
Delinquent Loans / Loans0.32%0.30%0.40%0.20%0.51%+19 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 Capital17.94%17.92%18.23%18.12%18.35%+40 bps
Net Worth / Assets17.94%17.92%18.23%18.12%18.35%+40 bps
Liquidity & Funding
Loans / Shares96.66%95.89%98.62%93.95%93.54%-312 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps