PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoria Postal Employees

Peoria, IL · Charter 60863

NCUA · 1 branch

Q2 2026

$14.1MAssets
$6.3MLoans
$11.3MShares
$2.7MNet 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 0.87%, down 13 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 4.69% of loans (+136 bps YoY).
  • Capital: net worth / assets of 19.47%, down 37 bps from a year ago.
  • Funding: loans stand at 55.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.92%-31 bps YoY

Efficiency Ratio (YTD, annualized)

75.34%+463 bps YoY

Net Worth / Assets

19.47%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.17%0.67%1.12%0.87%-13 bps
Return on Equity5.03%5.80%3.37%5.74%4.48%-55 bps
Net Interest Margin4.23%4.23%3.62%3.88%3.92%-31 bps
Efficiency Ratio70.71%67.10%77.01%72.80%75.34%+463 bps
Growth
Asset Growth (YoY)9.56%7.90%5.96%3.49%5.15%-442 bps
Loan Growth (YoY)0.77%-0.11%-0.63%-1.04%-4.15%-491 bps
Share Growth (YoY)11.53%9.34%6.59%3.39%5.61%-592 bps
Asset Quality
Delinquent Loans / Loans3.34%4.35%2.87%3.33%4.69%+136 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 Capital19.84%20.14%19.80%19.50%19.47%-37 bps
Net Worth / Assets19.84%20.14%19.80%19.50%19.47%-37 bps
Liquidity & Funding
Loans / Shares61.10%59.78%58.38%55.60%55.45%-564 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps