Decatur, IL · Charter 60293
NCUA · 1 branch
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 | 1.59% | 1.62% | 1.85% | 1.20% | 1.29% | -30 bps | |
| Return on Equity | 11.10% | 11.18% | 12.91% | 8.15% | 8.60% | -249 bps | |
| Net Interest Margin | 2.88% | 2.72% | 2.95% | 3.08% | 2.69% | -19 bps | |
| Efficiency Ratio | 45.09% | 40.85% | 38.07% | 61.73% | 52.62% | +753 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.03% | 3.41% | 2.18% | 1.13% | 1.07% | -95 bps | |
| Loan Growth (YoY) | 0.24% | 6.02% | 0.07% | 0.69% | 0.01% | -23 bps | |
| Share Growth (YoY) | 1.31% | 2.80% | 1.36% | 0.18% | 0.35% | -96 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.19% | 3.68% | 0.48% | 0.44% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.50% | 0.51% | 0.49% | 0.48% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.36% | 14.52% | 14.30% | 14.66% | 14.99% | +63 bps | |
| Net Worth / Assets | 14.36% | 14.52% | 14.30% | 14.66% | 14.99% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.54% | 87.91% | 86.60% | 90.18% | 92.23% | -31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |