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Bloomington Municipal

Bloomington, IL · Charter 63103

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in IL3

Basis

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.

Peer group

Credit unions under $1B in assets in IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

72

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bloomington Municipal

Bloomington, IL · Charter 63103

NCUA · 2 branches

Q2 2026

$45.7MAssets
$13.3MLoans
$39.5MShares
$6.2MNet 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 1.02%, down 31 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.10% of loans (+4 bps YoY).
  • Capital: net worth / assets of 13.50%, up 3 bps from a year ago.
  • Funding: loans stand at 33.71% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.02%-31 bps YoY

Net Interest Margin (YTD, annualized)

2.89%-36 bps YoY

Efficiency Ratio (YTD, annualized)

67.63%+467 bps YoY

Net Worth / Assets

13.50%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.36%1.27%1.12%1.02%-31 bps
Return on Equity9.90%10.00%9.39%8.27%7.54%-236 bps
Net Interest Margin3.25%3.20%3.10%2.90%2.89%-36 bps
Efficiency Ratio62.96%61.65%62.95%64.86%67.63%+467 bps
Growth
Asset Growth (YoY)12.29%12.63%12.78%9.93%8.77%-353 bps
Loan Growth (YoY)8.15%15.17%16.42%11.78%6.62%-153 bps
Share Growth (YoY)12.20%12.91%13.15%9.98%8.74%-346 bps
Asset Quality
Delinquent Loans / Loans0.06%0.05%0.15%0.04%0.10%+4 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 Capital13.47%13.59%13.48%13.52%13.50%+3 bps
Net Worth / Assets13.47%13.59%13.48%13.52%13.50%+3 bps
Liquidity & Funding
Loans / Shares34.38%35.36%34.21%33.47%33.71%-67 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bloomington Municipal

Bloomington, IL · Charter 63103 · Peer group: credit unions under $1B in assets in IL (n=50)

NCUA · 2 branches

Q2 2026

$45.7MAssets
$13.3MLoans
$39.5MShares
$6.2MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of credit unions under $1B in assets in IL (rank 10 of 50).
  • Widest gap: net interest margin trails 90% of credit unions under $1B in assets in IL (rank 45 of 50).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.02%

Rank 23 of 50

Net Interest Margin

2.88%

Rank 45 of 50

Efficiency Ratio

67.67%

Rank 15 of 50

Equity / Assets

13.50%

Rank 25 of 50

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.02%0.49%0.97%1.35%Beats 54%23 / 50
Return on Equity7.55%3.76%7.55%10.28%Beats 50%25 / 50
Net Interest Margin2.88%3.15%3.72%4.20%Beats 10%45 / 50
Efficiency Ratio67.67%67.18%75.90%80.66%Beats 72%15 / 50
Asset Quality
Nonperforming Loans / Loans0.10%0.14%0.47%0.87%Beats 82%10 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.50%10.68%13.50%16.38%Beats 50%25 / 50
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.50%10.68%13.50%16.38%Beats 50%25 / 50
Liquidity & Funding
Loans / Deposits33.71%55.23%70.87%80.60%8th pctl46 / 50
Loans / Assets29.09%43.53%60.64%68.47%8th pctl46 / 50
Brokered Deposits / Depositsn/aNot reported for this institution