Lawrenceville, IL · Charter 567
NCUA · 1 branch
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 Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
21
Asset Quality
74
Profitability
50
Liquidity
0
Efficiency
29
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.
Lawrenceville, IL · Charter 567
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.56% | 0.61% | 0.81% | 0.71% | 0.65% | 0.40% | 0.63% | -18 bps | |
| Return on Equity | 7.61% | 6.16% | 6.74% | 8.57% | 7.39% | 6.90% | 4.12% | 6.37% | -220 bps | |
| Net Interest Margin | 3.36% | 3.35% | 3.16% | 3.33% | 3.36% | 3.42% | 3.42% | 3.50% | +17 bps | |
| Efficiency Ratio | 82.81% | 86.20% | 83.65% | 80.03% | 82.64% | 84.34% | 90.16% | 84.71% | +468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.95% | 3.43% | 4.38% | 2.42% | 2.10% | 4.47% | 1.11% | 1.85% | -56 bps | |
| Loan Growth (YoY) | -7.57% | -16.39% | -18.12% | -18.92% | -24.68% | -25.21% | -30.54% | -26.84% | -793 bps | |
| Share Growth (YoY) | -0.48% | 2.65% | 3.84% | 1.92% | 4.54% | 4.22% | 0.72% | 1.42% | -50 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.15% | 0.18% | 0.08% | 0.38% | 0.47% | 0.49% | 0.16% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.25% | 9.14% | 9.10% | 9.49% | 9.64% | 9.40% | 9.60% | 9.90% | +40 bps | |
| Net Worth / Assets | 9.25% | 9.14% | 9.10% | 9.49% | 9.64% | 9.40% | 9.60% | 9.90% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.16% | 25.81% | 23.46% | 22.59% | 21.01% | 18.52% | 16.18% | 16.29% | -630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lawrenceville, IL · Charter 567 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
Return on Assets
0.64%
Rank 14 of 24
Net Interest Margin
3.50%
Rank 13 of 24
Efficiency Ratio
84.59%
Rank 18 of 24
Equity / Assets
9.90%
Rank 19 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.41% | 0.67% | 1.12% | Beats 42% | 14 / 24 | ||
| Return on Equity | 6.42% | 2.16% | 5.02% | 6.69% | Beats 63% | 9 / 24 | ||
| Net Interest Margin | 3.50% | 3.10% | 3.61% | 4.01% | Beats 46% | 13 / 24 | ||
| Efficiency Ratio | 84.59% | 71.14% | 80.00% | 84.92% | Beats 29% | 18 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.07% | 0.54% | 1.38% | Beats 74% | 7 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.90% | 10.05% | 16.75% | 21.42% | Beats 21% | 19 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.90% | 10.05% | 16.75% | 21.42% | Beats 21% | 19 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 16.29% | 42.86% | 62.34% | 82.18% | 0th pctl | 23 / 23 | ||
| Loans / Assets | 14.59% | 32.11% | 55.16% | 70.89% | 4th pctl | 23 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||