Mattoon, IL · Charter 60302
NCUA · 1 branch
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 | 0.80% | 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 | |