Decatur, IL · Charter 60293
NCUA · 1 branch
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 | 0.90% | 0.42% | 0.98% | 1.59% | 1.62% | 1.85% | 1.20% | 1.29% | -30 bps | |
| Return on Equity | 6.40% | 3.07% | 7.11% | 11.10% | 11.18% | 12.91% | 8.15% | 8.60% | -249 bps | |
| Net Interest Margin | 2.17% | 2.05% | 2.82% | 2.88% | 2.72% | 2.95% | 3.08% | 2.69% | -19 bps | |
| Efficiency Ratio | 59.29% | 79.99% | 65.52% | 45.09% | 40.85% | 38.07% | 61.73% | 52.62% | +753 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.11% | -0.91% | -1.18% | 2.03% | 3.41% | 2.18% | 1.13% | 1.07% | -95 bps | |
| Loan Growth (YoY) | -14.89% | -11.32% | -7.85% | 0.24% | 6.02% | 0.07% | 0.69% | 0.01% | -23 bps | |
| Share Growth (YoY) | -7.73% | -1.54% | -2.01% | 1.31% | 2.80% | 1.36% | 0.18% | 0.35% | -96 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 1.39% | 1.63% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.81% | 0.80% | 0.48% | 0.50% | 0.51% | 0.49% | 0.48% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.00% | 13.59% | 13.83% | 14.36% | 14.52% | 14.30% | 14.66% | 14.99% | +63 bps | |
| Net Worth / Assets | 14.00% | 13.59% | 13.83% | 14.36% | 14.52% | 14.30% | 14.66% | 14.99% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.24% | 87.72% | 89.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |