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Streator Community

Streator, IL · Charter 62939

NCUA · 1 branch

Q2 2026

$42.3MAssets
$9.3MLoans
$37.2MShares
$4.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.40%, up 43 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.43% of loans (-16 bps YoY).
  • Capital: net worth / assets of 10.97%, up 35 bps from a year ago.
  • Funding: loans stand at 25.01% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.40%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+32 bps YoY

Efficiency Ratio (YTD, annualized)

69.02%-719 bps YoY

Net Worth / Assets

10.97%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.82%0.85%0.97%1.06%1.11%1.21%1.40%+43 bps
Return on Equity7.21%7.59%8.01%9.15%9.57%9.87%10.89%12.75%+360 bps
Net Interest Margin2.99%3.06%3.09%3.20%3.33%3.37%3.50%3.53%+32 bps
Efficiency Ratio78.76%78.22%78.79%76.21%74.92%74.01%72.29%69.02%-719 bps
Growth
Asset Growth (YoY)-2.34%-1.87%0.10%4.03%4.22%5.50%6.61%9.47%+544 bps
Loan Growth (YoY)-5.91%-7.19%-6.83%-4.40%-3.29%4.10%9.87%13.38%+1,778 bps
Share Growth (YoY)-3.32%-2.84%-1.59%2.84%2.46%4.00%6.25%9.42%+658 bps
Asset Quality
Delinquent Loans / Loans0.74%0.61%0.41%0.59%0.78%0.74%0.56%0.43%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.47%10.74%10.58%10.62%11.08%11.29%11.09%10.97%+35 bps
Net Worth / Assets10.47%10.74%10.58%10.62%11.08%11.29%11.09%10.97%+35 bps
Liquidity & Funding
Loans / Shares26.39%25.91%24.55%24.13%24.91%25.94%25.39%25.01%+87 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps