Carbondale, IL · Charter 60279
NCUA · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.23% | 0.90% | 0.95% | 0.96% | 1.06% | 1.30% | 1.17% | +22 bps | |
| Return on Equity | 7.46% | 10.58% | 7.88% | 8.32% | 8.30% | 9.20% | 11.46% | 10.09% | +177 bps | |
| Net Interest Margin | 3.25% | 3.23% | 3.44% | 3.49% | 3.58% | 3.53% | 3.52% | 3.58% | +9 bps | |
| Efficiency Ratio | 71.89% | 66.00% | 72.82% | 70.28% | 68.93% | 66.68% | 63.82% | 66.39% | -389 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.87% | 7.30% | 6.17% | 8.06% | 9.27% | 9.55% | 11.52% | 9.11% | +104 bps | |
| Loan Growth (YoY) | -0.35% | -0.48% | 5.04% | 12.14% | 18.24% | 17.65% | 13.32% | 7.42% | -473 bps | |
| Share Growth (YoY) | 3.39% | 6.90% | 5.79% | 7.84% | 8.70% | 8.91% | 11.38% | 8.88% | +104 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.60% | 0.38% | 0.43% | 0.68% | 0.84% | 0.88% | 0.90% | +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 | 11.70% | 11.59% | 11.47% | 11.42% | 11.58% | 11.57% | 11.36% | 11.56% | +13 bps | |
| Net Worth / Assets | 11.70% | 11.59% | 11.47% | 11.42% | 11.58% | 11.57% | 11.36% | 11.56% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.33% | 72.96% | 73.79% | 76.37% | 80.86% | 78.81% | 75.07% | 75.34% | -103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |