Danville, IL · Charter 60390
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 | 0.27% | 0.79% | 0.49% | 1.37% | 0.32% | +6 bps | |
| Return on Equity | 1.72% | 4.80% | 2.98% | 8.55% | 1.98% | +25 bps | |
| Net Interest Margin | 4.18% | 4.66% | 4.79% | 4.96% | 4.71% | +52 bps | |
| Efficiency Ratio | 81.78% | 78.46% | 83.76% | 74.79% | 90.58% | +880 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.56% | -8.59% | -8.31% | -3.56% | -4.56% | -612 bps | |
| Loan Growth (YoY) | -5.73% | -12.49% | -10.95% | -9.74% | -5.40% | +33 bps | |
| Share Growth (YoY) | 0.63% | -10.69% | -10.16% | -4.97% | -3.59% | -422 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 0.60% | 0.65% | 0.85% | 0.89% | +9 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 | 15.45% | 16.46% | 16.34% | 16.02% | 16.28% | +83 bps | |
| Net Worth / Assets | 15.45% | 16.46% | 16.34% | 16.02% | 16.28% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.21% | 61.88% | 61.24% | 57.66% | 60.06% | -115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |