Herrin, IL · Charter 63459
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
9
Asset Quality
100
Profitability
39
Liquidity
60
Efficiency
34
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.
Herrin, IL · Charter 63459
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.65% | 0.08% | 0.27% | 0.58% | -37 bps | |
| Return on Equity | 9.78% | 7.11% | 0.96% | 3.18% | 6.63% | -315 bps | |
| Net Interest Margin | 3.79% | 3.47% | 3.32% | 2.89% | 3.30% | -49 bps | |
| Efficiency Ratio | 77.85% | 83.44% | 96.01% | 92.25% | 84.58% | +673 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.20% | 2.39% | 7.05% | 7.66% | 11.55% | +1,135 bps | |
| Loan Growth (YoY) | 1.41% | 3.99% | -3.72% | -1.21% | -0.96% | -237 bps | |
| Share Growth (YoY) | -0.30% | 2.18% | 7.51% | 8.40% | 12.77% | +1,307 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.40% | 0.53% | 0.53% | 0.51% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.76% | 9.17% | 8.45% | 8.47% | 8.76% | -100 bps | |
| Net Worth / Assets | 9.76% | 9.17% | 8.45% | 8.47% | 8.76% | -100 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.30% | 85.20% | 75.77% | 75.56% | 78.43% | -1,087 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Herrin, IL · Charter 63459 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.56%
Rank 1,056 of 1,683
Net Interest Margin
3.30%
Rank 1,271 of 1,683
Efficiency Ratio
83.33%
Rank 1,109 of 1,682
Equity / Assets
8.75%
Rank 1,537 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,056 / 1,683 | |
| Return on Equity | 6.43% | 2.67% | 5.89% | 8.74% | Beats 55% | 753 / 1,681 | |
| Net Interest Margin | 3.30% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,271 / 1,683 | |
| Efficiency Ratio | 83.33% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,109 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.75% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,537 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.75% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,537 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.45% | 52.61% | 69.38% | 83.50% | 67th pctl | 563 / 1,683 | |
| Loans / Assets | 71.50% | 44.71% | 59.18% | 70.72% | 77th pctl | 394 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||