Springfield, IL · Charter 60545
NCUA · 1 branch
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
0
Asset Quality
18
Profitability
35
Liquidity
6
Efficiency
8
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.
Springfield, IL · Charter 60545
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.10% | 0.08% | 0.41% | 0.24% | 0.10% | 0.52% | 0.20% | -21 bps | |
| Return on Equity | 2.69% | 1.16% | 1.09% | 5.52% | 3.29% | 1.41% | 6.94% | 2.77% | -275 bps | |
| Net Interest Margin | 3.94% | 4.04% | 3.69% | 3.94% | 4.00% | 4.16% | 4.34% | 4.26% | +33 bps | |
| Efficiency Ratio | 93.39% | 95.69% | 98.35% | 90.64% | 94.41% | 93.57% | 90.50% | 92.86% | +221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.19% | -2.73% | 12.21% | 12.69% | 13.60% | 14.13% | -1.56% | 2.70% | -999 bps | |
| Loan Growth (YoY) | 16.81% | 5.32% | 1.77% | 2.26% | 0.99% | 0.95% | 1.09% | -1.35% | -361 bps | |
| Share Growth (YoY) | -3.89% | -1.89% | 13.92% | 14.22% | 18.13% | 15.24% | -1.97% | 2.79% | -1,143 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.24% | 0.16% | 1.10% | 1.74% | 1.70% | 1.63% | 1.83% | +73 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 | 8.35% | 8.33% | 7.19% | 7.37% | 7.41% | 7.34% | 7.45% | 7.12% | -25 bps | |
| Net Worth / Assets | 8.35% | 8.33% | 7.19% | 7.37% | 7.41% | 7.34% | 7.45% | 7.12% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.26% | 49.26% | 42.02% | 44.02% | 43.82% | 43.15% | 43.33% | 42.24% | -178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, IL · Charter 60545 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
0.20%
Rank 46 of 50
Net Interest Margin
4.26%
Rank 11 of 50
Efficiency Ratio
93.15%
Rank 47 of 50
Equity / Assets
7.12%
Rank 50 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.20% | 0.49% | 0.97% | 1.35% | Beats 8% | 46 / 50 | ||
| Return on Equity | 2.87% | 3.76% | 7.55% | 10.28% | Beats 20% | 40 / 50 | ||
| Net Interest Margin | 4.26% | 3.15% | 3.72% | 4.20% | Beats 78% | 11 / 50 | ||
| Efficiency Ratio | 93.15% | 67.18% | 75.90% | 80.66% | Beats 8% | 47 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.83% | 0.14% | 0.47% | 0.87% | Beats 18% | 42 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.12% | 10.68% | 13.50% | 16.38% | Beats 0% | 50 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.12% | 10.68% | 13.50% | 16.38% | Beats 0% | 50 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.25% | 55.23% | 70.87% | 80.60% | 14th pctl | 43 / 50 | ||
| Loans / Assets | 39.09% | 43.53% | 60.64% | 68.47% | 16th pctl | 42 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||