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 | |