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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |