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Danville, IL · Charter 60532

NCUA · 3 branches

Q2 2026

$119.1MAssets
$44.3MLoans
$105.9MShares
$11.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.23%, up 4 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.50% of loans (-23 bps YoY).
  • Capital: net worth / assets of 9.93%, up 22 bps from a year ago.
  • Funding: loans stand at 41.77% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.23%+4 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+42 bps YoY

Efficiency Ratio (quarter, annualized)

92.13%-180 bps YoY

Net Worth / Assets

9.93%+22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.26%0.27%0.13%0.23%+4 bps
Return on Equity2.03%2.58%2.77%1.32%2.34%+31 bps
Net Interest Margin3.03%3.18%3.23%3.34%3.45%+42 bps
Efficiency Ratio93.92%92.15%91.91%91.90%92.13%-180 bps
Growth
Asset Growth (YoY)2.08%1.94%4.23%0.98%0.33%-175 bps
Loan Growth (YoY)6.71%3.63%9.32%9.38%-2.29%-900 bps
Share Growth (YoY)2.05%1.34%4.37%0.59%0.46%-159 bps
Asset Quality
Delinquent Loans / Loans0.72%0.72%0.62%0.48%0.50%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.70%9.88%9.85%9.57%9.93%+22 bps
Net Worth / Assets9.70%9.88%9.85%9.57%9.93%+22 bps
Liquidity & Funding
Loans / Shares42.95%44.10%44.36%41.49%41.77%-117 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps