Alton, IL · Charter 3316
NCUA · 2 branches
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 the St. Louis, MO-IL area (n=26 to 27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
44
Profitability
34
Liquidity
0
Efficiency
26
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.
Alton, IL · Charter 3316
NCUA · 2 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% | 0.48% | 0.52% | 0.36% | 0.36% | -5 bps | |
| Return on Equity | 4.76% | 5.33% | 5.87% | 4.33% | 4.09% | -67 bps | |
| Net Interest Margin | 3.17% | 3.28% | 3.26% | 3.09% | 3.19% | +1 bps | |
| Efficiency Ratio | 88.85% | 87.97% | 87.78% | 92.74% | 89.29% | +44 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.79% | -0.48% | 4.49% | 6.60% | 3.38% | +159 bps | |
| Loan Growth (YoY) | 5.00% | 0.27% | -0.12% | -2.55% | -3.83% | -883 bps | |
| Share Growth (YoY) | 0.41% | -1.74% | 3.34% | 5.66% | 2.66% | +224 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.58% | 0.49% | 0.64% | 0.93% | +37 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 | 8.65% | 8.98% | 8.84% | 8.23% | 8.74% | +8 bps | |
| Net Worth / Assets | 8.65% | 8.98% | 8.84% | 8.23% | 8.74% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.50% | 48.49% | 46.78% | 42.01% | 44.50% | -300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alton, IL · Charter 3316 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 2 branches
Q2 2026
Return on Assets
0.36%
Rank 18 of 27
Net Interest Margin
3.19%
Rank 19 of 27
Efficiency Ratio
89.37%
Rank 21 of 27
Equity / Assets
8.74%
Rank 23 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.25% | 0.67% | 0.86% | Beats 33% | 18 / 27 | |
| Return on Equity | 4.10% | 2.16% | 5.85% | 7.25% | Beats 38% | 16 / 26 | |
| Net Interest Margin | 3.19% | 3.01% | 3.75% | 4.07% | Beats 30% | 19 / 27 | |
| Efficiency Ratio | 89.37% | 71.97% | 77.45% | 89.37% | Beats 26% | 21 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.24% | 0.77% | 1.40% | Beats 44% | 16 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.74% | 9.38% | 10.56% | 15.42% | Beats 15% | 23 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.74% | 9.38% | 10.56% | 15.42% | Beats 15% | 23 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.50% | 56.38% | 74.82% | 87.76% | 7th pctl | 25 / 27 | |
| Loans / Assets | 41.08% | 50.27% | 64.80% | 77.37% | 11th pctl | 24 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||