Galesburg, IL · Charter 60327
NCUA · 3 branches
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 in IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
66
Profitability
51
Liquidity
84
Efficiency
36
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.
Galesburg, IL · Charter 60327
NCUA · 3 branches
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 | 0.96% | 1.00% | 0.89% | 0.97% | 0.88% | -8 bps | |
| Return on Equity | 8.71% | 8.90% | 8.06% | 8.70% | 8.28% | -43 bps | |
| Net Interest Margin | 3.68% | 3.82% | 3.76% | 3.87% | 3.76% | +8 bps | |
| Efficiency Ratio | 76.14% | 74.64% | 76.78% | 77.14% | 78.85% | +271 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.34% | 12.50% | 12.78% | 11.71% | 12.82% | +348 bps | |
| Loan Growth (YoY) | 13.03% | 17.37% | 17.30% | 16.31% | 22.26% | +923 bps | |
| Share Growth (YoY) | 9.06% | 13.22% | 13.39% | 12.41% | 14.47% | +541 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.20% | 0.38% | 0.31% | 0.33% | +10 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 | 11.04% | 11.30% | 11.10% | 11.11% | 10.62% | -42 bps | |
| Net Worth / Assets | 11.04% | 11.30% | 11.10% | 11.11% | 10.62% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.42% | 70.93% | 72.86% | 72.14% | 74.14% | +472 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Galesburg, IL · Charter 60327 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 3 branches
Q2 2026
Return on Assets
0.88%
Rank 29 of 50
Net Interest Margin
3.76%
Rank 24 of 50
Efficiency Ratio
78.86%
Rank 33 of 50
Equity / Assets
10.62%
Rank 39 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.49% | 0.97% | 1.35% | Beats 42% | 29 / 50 | |
| Return on Equity | 8.28% | 3.76% | 7.55% | 10.28% | Beats 58% | 21 / 50 | |
| Net Interest Margin | 3.76% | 3.15% | 3.72% | 4.20% | Beats 52% | 24 / 50 | |
| Efficiency Ratio | 78.86% | 67.18% | 75.90% | 80.66% | Beats 36% | 33 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.14% | 0.47% | 0.87% | Beats 66% | 18 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.62% | 10.68% | 13.50% | 16.38% | Beats 22% | 39 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.62% | 10.68% | 13.50% | 16.38% | Beats 22% | 39 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.14% | 55.23% | 70.87% | 80.60% | 58th pctl | 21 / 50 | |
| Loans / Assets | 66.06% | 43.53% | 60.64% | 68.47% | 64th pctl | 18 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||