Robinson, IL · Charter 61518
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
24
Profitability
77
Liquidity
91
Efficiency
91
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.
Robinson, IL · Charter 61518
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 | 1.47% | 1.14% | 1.02% | 1.51% | 1.41% | 1.37% | 1.50% | 1.83% | +32 bps | |
| Return on Equity | 6.18% | 4.57% | 4.26% | 6.30% | 6.24% | 5.33% | 5.93% | 7.32% | +101 bps | |
| Net Interest Margin | 3.74% | 4.06% | 3.54% | 3.85% | 3.91% | 4.16% | 4.12% | 4.27% | +42 bps | |
| Efficiency Ratio | 63.45% | 73.62% | 71.17% | 61.53% | 64.60% | 67.57% | 64.13% | 57.82% | -371 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.30% | 1.38% | 2.07% | 2.78% | 4.76% | 1.24% | -0.05% | 0.78% | -200 bps | |
| Loan Growth (YoY) | -18.97% | -17.45% | -7.78% | -9.96% | -9.77% | -10.30% | -10.29% | -8.27% | +170 bps | |
| Share Growth (YoY) | 0.09% | 0.32% | 1.28% | 2.31% | 6.50% | 0.05% | -1.74% | -0.63% | -294 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.77% | 0.41% | 0.31% | 0.25% | 0.17% | 1.55% | 1.37% | +105 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 | 2.01% | 2.16% | 1.79% | 1.74% | 1.76% | 1.90% | 1.88% | 1.88% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.82% | 24.90% | 23.93% | 23.89% | 22.57% | 25.81% | 25.23% | 25.00% | +112 bps | |
| Net Worth / Assets | 23.82% | 24.90% | 23.93% | 23.89% | 22.57% | 25.81% | 25.23% | 25.00% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.49% | 80.46% | 76.52% | 72.29% | 69.04% | 72.14% | 69.86% | 66.74% | -555 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Robinson, IL · Charter 61518 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.83%
Rank 114 of 1,683
Net Interest Margin
4.26%
Rank 460 of 1,683
Efficiency Ratio
57.75%
Rank 160 of 1,682
Equity / Assets
24.99%
Rank 102 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.83% | 0.35% | 0.74% | 1.18% | Beats 93% | 114 / 1,683 | ||
| Return on Equity | 7.31% | 2.67% | 5.89% | 8.74% | Beats 64% | 610 / 1,681 | ||
| Net Interest Margin | 4.26% | 3.31% | 3.82% | 4.32% | Beats 73% | 460 / 1,683 | ||
| Efficiency Ratio | 57.75% | 68.91% | 78.20% | 86.93% | Beats 91% | 160 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.34% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,282 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.99% | 10.44% | 12.89% | 16.53% | Beats 94% | 102 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.99% | 10.44% | 12.89% | 16.53% | Beats 94% | 102 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.75% | 52.61% | 69.38% | 83.50% | 45th pctl | 924 / 1,683 | ||
| Loans / Assets | 50.05% | 44.71% | 59.18% | 70.72% | 33rd pctl | 1,120 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||