Springfield, IL · Charter 60545
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 | 0.41% | 0.24% | 0.10% | 0.52% | 0.20% | -21 bps | |
| Return on Equity | 5.52% | 3.29% | 1.41% | 6.94% | 2.77% | -275 bps | |
| Net Interest Margin | 3.94% | 4.00% | 4.16% | 4.34% | 4.26% | +33 bps | |
| Efficiency Ratio | 90.64% | 94.41% | 93.57% | 90.50% | 92.86% | +221 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.69% | 13.60% | 14.13% | -1.56% | 2.70% | -999 bps | |
| Loan Growth (YoY) | 2.26% | 0.99% | 0.95% | 1.09% | -1.35% | -361 bps | |
| Share Growth (YoY) | 14.22% | 18.13% | 15.24% | -1.97% | 2.79% | -1,143 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.37% | 7.41% | 7.34% | 7.45% | 7.12% | -25 bps | |
| Net Worth / Assets | 7.37% | 7.41% | 7.34% | 7.45% | 7.12% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |