PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Moline Municipal

Moline, IL · Charter 60186

NCUA · 2 branches

Q2 2026

$66.0MAssets
$40.0MLoans
$56.7MShares
$9.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.38%, down 93 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.99% of loans (-47 bps YoY).
  • Capital: net worth / assets of 13.85%, down 71 bps from a year ago.
  • Funding: loans stand at 70.62% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.38%-93 bps YoY

Net Interest Margin (quarter, annualized)

3.15%-10 bps YoY

Efficiency Ratio (quarter, annualized)

78.78%+1,219 bps YoY

Net Worth / Assets

13.85%-71 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.10%0.88%0.28%0.38%-93 bps
Return on Equity8.98%7.78%6.49%2.08%2.74%-625 bps
Net Interest Margin3.25%3.15%3.00%2.98%3.15%-10 bps
Efficiency Ratio66.59%70.87%75.09%75.78%78.78%+1,219 bps
Growth
Asset Growth (YoY)17.85%21.08%26.64%14.93%8.86%-899 bps
Loan Growth (YoY)3.54%2.53%0.24%-3.43%-2.59%-614 bps
Share Growth (YoY)19.96%23.47%30.45%16.60%9.72%-1,024 bps
Asset Quality
Delinquent Loans / Loans1.46%1.20%1.54%1.32%0.99%-47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.56%14.13%13.53%13.60%13.85%-71 bps
Net Worth / Assets14.56%14.13%13.53%13.60%13.85%-71 bps
Liquidity & Funding
Loans / Shares79.54%76.12%70.16%68.97%70.62%-892 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps