Moline, IL · Charter 60186
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 IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
24
Profitability
21
Liquidity
99
Efficiency
38
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.
Moline, IL · Charter 60186
NCUA · 2 branches
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 | 1.19% | 1.22% | 1.23% | 1.31% | 1.10% | 0.88% | 0.28% | 0.38% | -93 bps | |
| Return on Equity | 7.56% | 7.61% | 8.31% | 8.98% | 7.78% | 6.49% | 2.08% | 2.74% | -625 bps | |
| Net Interest Margin | 3.68% | 3.68% | 3.28% | 3.25% | 3.15% | 3.00% | 2.98% | 3.15% | -10 bps | |
| Efficiency Ratio | 63.74% | 64.63% | 69.03% | 66.59% | 70.87% | 75.09% | 75.78% | 78.78% | +1,219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.87% | 5.78% | 14.72% | 17.85% | 21.08% | 26.64% | 14.93% | 8.86% | -899 bps | |
| Loan Growth (YoY) | 1.83% | 1.27% | 4.21% | 3.54% | 2.53% | 0.24% | -3.43% | -2.59% | -614 bps | |
| Share Growth (YoY) | 7.98% | 5.59% | 16.33% | 19.96% | 23.47% | 30.45% | 16.60% | 9.72% | -1,024 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.26% | 1.40% | 1.46% | 1.20% | 1.54% | 1.32% | 0.99% | -47 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 | 15.78% | 16.02% | 14.84% | 14.56% | 14.13% | 13.53% | 13.60% | 13.85% | -71 bps | |
| Net Worth / Assets | 15.78% | 16.02% | 14.84% | 14.56% | 14.13% | 13.53% | 13.60% | 13.85% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.67% | 91.30% | 83.27% | 79.54% | 76.12% | 70.16% | 68.97% | 70.62% | -892 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Moline, IL · Charter 60186 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
Return on Assets
0.38%
Rank 40 of 50
Net Interest Margin
3.15%
Rank 38 of 50
Efficiency Ratio
78.72%
Rank 32 of 50
Equity / Assets
13.85%
Rank 21 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.38% | 0.49% | 0.97% | 1.35% | Beats 20% | 40 / 50 | ||
| Return on Equity | 2.73% | 3.76% | 7.55% | 10.28% | Beats 18% | 41 / 50 | ||
| Net Interest Margin | 3.15% | 3.15% | 3.72% | 4.20% | Beats 24% | 38 / 50 | ||
| Efficiency Ratio | 78.72% | 67.18% | 75.90% | 80.66% | Beats 38% | 32 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.99% | 0.14% | 0.47% | 0.87% | Beats 24% | 39 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.85% | 10.68% | 13.50% | 16.38% | Beats 58% | 21 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.85% | 10.68% | 13.50% | 16.38% | Beats 58% | 21 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.62% | 55.23% | 70.87% | 80.60% | 46th pctl | 27 / 50 | ||
| Loans / Assets | 60.64% | 43.53% | 60.64% | 68.47% | 50th pctl | 25 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||