PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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