Mattoon, IL · Charter 60302
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
78
Profitability
76
Liquidity
72
Efficiency
79
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mattoon, IL · Charter 60302
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 | 0.80% | 0.84% | 1.36% | 1.53% | 1.59% | 1.40% | 1.79% | 1.59% | +6 bps | |
| Return on Equity | 4.29% | 4.56% | 7.32% | 7.97% | 8.19% | 7.13% | 9.29% | 7.98% | 0 bps | |
| Net Interest Margin | 3.43% | 3.46% | 3.94% | 4.13% | 4.14% | 4.03% | 4.12% | 4.22% | +9 bps | |
| Efficiency Ratio | 79.74% | 78.88% | 69.91% | 68.54% | 67.06% | 70.47% | 62.52% | 67.31% | -123 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.53% | -4.92% | -5.70% | -0.12% | 2.90% | 1.51% | 4.39% | 3.49% | +361 bps | |
| Loan Growth (YoY) | 0.69% | -2.28% | -1.93% | 1.42% | -1.10% | 1.79% | -0.14% | -1.95% | -337 bps | |
| Share Growth (YoY) | -6.36% | -6.86% | -7.92% | -1.65% | 1.75% | 0.04% | 3.50% | 2.52% | +418 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.14% | 0.05% | 0.01% | 0.06% | 0.13% | 0.15% | 0.23% | +22 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 | 18.56% | 18.50% | 18.57% | 19.20% | 19.44% | 19.59% | 19.21% | 19.94% | +74 bps | |
| Net Worth / Assets | 18.56% | 18.50% | 18.57% | 19.20% | 19.44% | 19.59% | 19.21% | 19.94% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.82% | 76.05% | 74.85% | 79.14% | 77.59% | 77.38% | 72.22% | 75.69% | -345 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mattoon, IL · Charter 60302 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.59%
Rank 205 of 1,683
Net Interest Margin
4.22%
Rank 486 of 1,683
Efficiency Ratio
67.07%
Rank 360 of 1,682
Equity / Assets
19.94%
Rank 227 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.59% | 0.35% | 0.74% | 1.18% | Beats 88% | 205 / 1,683 | ||
| Return on Equity | 7.98% | 2.67% | 5.89% | 8.74% | Beats 69% | 518 / 1,681 | ||
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 486 / 1,683 | ||
| Efficiency Ratio | 67.07% | 68.91% | 78.20% | 86.93% | Beats 79% | 360 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.23% | 0.26% | 0.65% | 1.29% | Beats 78% | 379 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.94% | 10.44% | 12.89% | 16.53% | Beats 87% | 227 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.94% | 10.44% | 12.89% | 16.53% | Beats 87% | 227 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.69% | 52.61% | 69.38% | 83.50% | 61st pctl | 654 / 1,683 | ||
| Loans / Assets | 60.30% | 44.71% | 59.18% | 70.72% | 53rd pctl | 798 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||