Champaign, IL · Charter 60583
NCUA · 8 branches
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 | 0.47% | 0.37% | 0.37% | 1.08% | 1.11% | +65 bps | |
| Return on Equity | 4.64% | 3.88% | 3.91% | 11.24% | 11.22% | +658 bps | |
| Net Interest Margin | 4.37% | 4.21% | 4.17% | 4.31% | 4.31% | -6 bps | |
| Efficiency Ratio | 81.42% | 82.23% | 82.29% | 78.48% | 79.97% | -145 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.25% | 12.25% | 11.40% | 7.50% | 8.94% | +369 bps | |
| Loan Growth (YoY) | 10.96% | 14.79% | 9.54% | 10.31% | 3.36% | -761 bps | |
| Share Growth (YoY) | 9.02% | 15.36% | 11.60% | 7.66% | 9.40% | +38 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.66% | 0.74% | 0.66% | 0.57% | +1 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 | 10.08% | 9.60% | 9.50% | 9.62% | 9.93% | -15 bps | |
| Net Worth / Assets | 10.08% | 9.60% | 9.50% | 9.62% | 9.93% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.09% | 94.99% | 91.52% | 89.43% | 90.78% | -531 bps | |
| Liquid Assets / Assets | 0.00% | 99.68% | 99.45% | 99.42% | 0.00% | 0 bps | |