PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Siu

Carbondale, IL · Charter 60279

NCUA · 7 branches

Q2 2026

$591.3MAssets
$391.4MLoans
$519.4MShares
$68.3MNet 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 1.17%, up 22 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.90% of loans (+47 bps YoY).
  • Capital: net worth / assets of 11.56%, up 13 bps from a year ago.
  • Funding: loans stand at 75.34% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.17%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.58%+9 bps YoY

Efficiency Ratio (quarter, annualized)

66.39%-389 bps YoY

Net Worth / Assets

11.56%+13 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.96%1.06%1.30%1.17%+22 bps
Return on Equity8.32%8.30%9.20%11.46%10.09%+177 bps
Net Interest Margin3.49%3.58%3.53%3.52%3.58%+9 bps
Efficiency Ratio70.28%68.93%66.68%63.82%66.39%-389 bps
Growth
Asset Growth (YoY)8.06%9.27%9.55%11.52%9.11%+104 bps
Loan Growth (YoY)12.14%18.24%17.65%13.32%7.42%-473 bps
Share Growth (YoY)7.84%8.70%8.91%11.38%8.88%+104 bps
Asset Quality
Delinquent Loans / Loans0.43%0.68%0.84%0.88%0.90%+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 Capital11.42%11.58%11.57%11.36%11.56%+13 bps
Net Worth / Assets11.42%11.58%11.57%11.36%11.56%+13 bps
Liquidity & Funding
Loans / Shares76.37%80.86%78.81%75.07%75.34%-103 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps