PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Williamson County Catholic

Herrin, IL · Charter 63459

NCUA · 1 branch

Q2 2026

$2.8MAssets
$2.0MLoans
$2.6MShares
$249KNet 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 0.58%, down 37 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.76%, down 100 bps from a year ago.
  • Funding: loans stand at 78.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-49 bps YoY

Efficiency Ratio (YTD, annualized)

84.58%+673 bps YoY

Net Worth / Assets

8.76%-100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.65%0.08%0.27%0.58%-37 bps
Return on Equity9.78%7.11%0.96%3.18%6.63%-315 bps
Net Interest Margin3.79%3.47%3.32%2.89%3.30%-49 bps
Efficiency Ratio77.85%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.40%0.53%0.53%0.51%+10 bps
Capital
Risk-Based Capital9.76%9.17%8.45%8.47%8.76%-100 bps
Net Worth / Assets9.76%9.17%8.45%8.47%8.76%-100 bps
Liquidity & Funding
Loans / Shares89.30%85.20%75.77%75.56%78.43%-1,087 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps