Mattoon, IL · Charter 62500
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
87
Asset Quality
37
Profitability
52
Liquidity
23
Efficiency
92
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.
Mattoon, IL · Charter 62500
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 | 1.11% | 0.72% | 1.38% | 1.40% | 1.43% | 0.69% | 1.50% | 1.34% | -5 bps | |
| Return on Equity | 5.11% | 3.36% | 6.69% | 6.74% | 6.67% | 3.33% | 7.37% | 6.59% | -14 bps | |
| Net Interest Margin | 3.31% | 2.90% | 3.40% | 3.40% | 3.50% | 2.88% | 3.16% | 3.11% | -29 bps | |
| Efficiency Ratio | 61.76% | 70.85% | 58.40% | 57.85% | 57.60% | 72.77% | 56.57% | 56.16% | -169 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.22% | 0.79% | 4.12% | 6.02% | 6.54% | 5.85% | 4.47% | 5.20% | -81 bps | |
| Loan Growth (YoY) | 4.80% | 1.81% | 1.71% | -2.97% | -5.14% | -6.67% | -7.63% | -8.98% | -601 bps | |
| Share Growth (YoY) | -2.21% | 0.09% | 4.08% | 6.44% | 7.08% | 6.54% | 4.71% | 5.68% | -76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.90% | 1.06% | 0.83% | 0.51% | 0.48% | 0.54% | 0.24% | 0.92% | +41 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.79% | 21.31% | 20.57% | 20.72% | 21.42% | 20.82% | 20.41% | 20.35% | -36 bps | |
| Net Worth / Assets | 21.79% | 21.31% | 20.57% | 20.72% | 21.42% | 20.82% | 20.41% | 20.35% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.76% | 58.52% | 54.54% | 53.03% | 53.82% | 51.26% | 48.11% | 45.67% | -736 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mattoon, IL · Charter 62500 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.34%
Rank 325 of 1,683
Net Interest Margin
3.11%
Rank 1,389 of 1,683
Efficiency Ratio
56.13%
Rank 129 of 1,682
Equity / Assets
20.36%
Rank 212 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.34% | 0.35% | 0.74% | 1.18% | Beats 81% | 325 / 1,683 | ||
| Return on Equity | 6.58% | 2.67% | 5.89% | 8.74% | Beats 57% | 726 / 1,681 | ||
| Net Interest Margin | 3.11% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,389 / 1,683 | ||
| Efficiency Ratio | 56.13% | 68.91% | 78.20% | 86.93% | Beats 92% | 129 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,069 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.36% | 10.44% | 12.89% | 16.53% | Beats 87% | 212 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.36% | 10.44% | 12.89% | 16.53% | Beats 87% | 212 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.67% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,394 / 1,683 | ||
| Loans / Assets | 36.33% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,439 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||