Quincy, IL · Charter 60095
NCUA · 3 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
66
Profitability
62
Liquidity
12
Efficiency
58
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.
Quincy, IL · Charter 60095
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 | 0.97% | 0.99% | 0.95% | 0.96% | 1.05% | +9 bps | |
| Return on Equity | 6.31% | 6.29% | 6.04% | 6.29% | 6.83% | +52 bps | |
| Net Interest Margin | 3.73% | 3.85% | 3.75% | 3.95% | 4.00% | +28 bps | |
| Efficiency Ratio | 77.17% | 77.24% | 77.53% | 77.80% | 75.73% | -145 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.68% | 5.58% | 3.88% | 3.24% | 5.93% | -75 bps | |
| Loan Growth (YoY) | 9.14% | 7.63% | 9.50% | 10.14% | 7.98% | -117 bps | |
| Share Growth (YoY) | 6.54% | 5.21% | 3.56% | 2.83% | 5.85% | -70 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.38% | 0.51% | 0.46% | 0.40% | +14 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 | 15.31% | 15.75% | 15.66% | 15.32% | 15.41% | +10 bps | |
| Net Worth / Assets | 15.31% | 15.75% | 15.66% | 15.32% | 15.41% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.68% | 91.89% | 92.61% | 89.62% | 89.44% | +176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Quincy, IL · Charter 60095 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.05%
Rank 545 of 1,683
Net Interest Margin
4.00%
Rank 667 of 1,683
Efficiency Ratio
75.73%
Rank 708 of 1,682
Equity / Assets
15.41%
Rank 509 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 0.35% | 0.74% | 1.18% | Beats 68% | 545 / 1,683 | |
| Return on Equity | 6.83% | 2.67% | 5.89% | 8.74% | Beats 59% | 686 / 1,681 | |
| Net Interest Margin | 4.00% | 3.31% | 3.82% | 4.32% | Beats 60% | 667 / 1,683 | |
| Efficiency Ratio | 75.73% | 68.91% | 78.20% | 86.93% | Beats 58% | 708 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.26% | 0.65% | 1.29% | Beats 66% | 569 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 509 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.41% | 10.44% | 12.89% | 16.53% | Beats 70% | 509 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.44% | 52.61% | 69.38% | 83.50% | 85th pctl | 251 / 1,683 | |
| Loans / Assets | 75.45% | 44.71% | 59.18% | 70.72% | 84th pctl | 270 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||