Moline, IL · Charter 60855
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
80
Asset Quality
44
Profitability
87
Liquidity
77
Efficiency
70
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.
Moline, IL · Charter 60855
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 | 0.87% | 0.39% | 1.10% | 0.61% | 1.93% | +106 bps | |
| Return on Equity | 5.35% | 2.48% | 6.85% | 3.65% | 11.06% | +571 bps | |
| Net Interest Margin | 4.16% | 4.20% | 4.24% | 4.52% | 4.77% | +60 bps | |
| Efficiency Ratio | 69.29% | 68.30% | 68.07% | 70.17% | 67.68% | -161 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.34% | 10.80% | 11.46% | 8.92% | 2.72% | -361 bps | |
| Loan Growth (YoY) | 1.44% | -2.77% | -1.50% | -2.90% | 4.57% | +313 bps | |
| Share Growth (YoY) | 6.68% | 11.75% | 12.27% | 8.40% | 1.09% | -558 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 1.28% | 0.19% | 0.15% | 0.55% | -33 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 | 16.33% | 15.83% | 16.04% | 16.58% | 17.49% | +116 bps | |
| Net Worth / Assets | 16.33% | 15.83% | 16.04% | 16.58% | 17.49% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.64% | 58.61% | 58.22% | 56.71% | 63.76% | +212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Moline, IL · Charter 60855 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
1.93%
Rank 4 of 50
Net Interest Margin
4.77%
Rank 7 of 50
Efficiency Ratio
67.78%
Rank 16 of 50
Equity / Assets
17.49%
Rank 10 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.93% | 0.49% | 0.97% | 1.35% | Beats 92% | 4 / 50 | |
| Return on Equity | 11.03% | 3.76% | 7.55% | 10.28% | Beats 84% | 8 / 50 | |
| Net Interest Margin | 4.77% | 3.15% | 3.72% | 4.20% | Beats 86% | 7 / 50 | |
| Efficiency Ratio | 67.78% | 67.18% | 75.90% | 80.66% | Beats 70% | 16 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.55% | 0.14% | 0.47% | 0.87% | Beats 44% | 29 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.49% | 10.68% | 13.50% | 16.38% | Beats 80% | 10 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.49% | 10.68% | 13.50% | 16.38% | Beats 80% | 10 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.77% | 55.23% | 70.87% | 80.60% | 40th pctl | 30 / 50 | |
| Loans / Assets | 52.57% | 43.53% | 60.64% | 68.47% | 34th pctl | 33 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||