PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

I. H. Mississippi Valley

Moline, IL · Charter 60337

NCUA · 15 branches

Q2 2026

$2.3BAssets
$1.9BLoans
$2.0BShares
$208.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.11%, up 156 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.86% of loans (-148 bps YoY).
  • Capital: net worth / assets of 9.09%, up 26 bps from a year ago.
  • Funding: loans stand at 93.47% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.11%+156 bps YoY

Net Interest Margin (YTD, annualized)

3.60%+16 bps YoY

Efficiency Ratio (YTD, annualized)

68.65%+309 bps YoY

Net Worth / Assets

9.09%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.58%0.19%-0.44%-0.20%-0.28%1.01%1.11%+156 bps
Return on Equity7.37%6.14%2.10%-5.02%-2.22%-3.33%11.73%12.26%+1,729 bps
Net Interest Margin3.11%3.18%3.36%3.44%3.52%3.40%3.51%3.60%+16 bps
Efficiency Ratio65.29%66.38%66.39%65.56%64.30%65.29%69.07%68.65%+309 bps
Growth
Asset Growth (YoY)4.39%0.61%-0.27%3.42%2.17%7.37%4.05%2.64%-79 bps
Loan Growth (YoY)4.44%5.58%7.32%5.49%3.73%7.02%5.08%2.21%-328 bps
Share Growth (YoY)7.53%4.89%3.39%3.83%4.20%2.58%2.09%3.02%-82 bps
Asset Quality
Delinquent Loans / Loans2.44%2.56%2.04%2.33%2.17%1.33%0.76%0.86%-148 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.27%9.40%9.08%8.82%8.99%8.48%8.65%9.09%+26 bps
Net Worth / Assets9.27%9.40%9.08%8.82%8.99%8.48%8.65%9.09%+26 bps
Liquidity & Funding
Loans / Shares95.47%93.86%91.67%94.21%95.04%97.93%94.35%93.47%-74 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%97.28%0.00%0.00%0 bps