Mattoon, IL · Charter 60302
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 | 1.53% | 1.59% | 1.40% | 1.79% | 1.59% | +6 bps | |
| Return on Equity | 7.97% | 8.19% | 7.13% | 9.29% | 7.98% | 0 bps | |
| Net Interest Margin | 4.13% | 4.14% | 4.03% | 4.12% | 4.22% | +9 bps | |
| Efficiency Ratio | 68.54% | 67.06% | 70.47% | 62.52% | 67.31% | -123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.12% | 2.90% | 1.51% | 4.39% | 3.49% | +361 bps | |
| Loan Growth (YoY) | 1.42% | -1.10% | 1.79% | -0.14% | -1.95% | -337 bps | |
| Share Growth (YoY) | -1.65% | 1.75% | 0.04% | 3.50% | 2.52% | +418 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.20% | 19.44% | 19.59% | 19.21% | 19.94% | +74 bps | |
| Net Worth / Assets | 19.20% | 19.44% | 19.59% | 19.21% | 19.94% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |