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The Credit Union for All

Bloomington, IL · Charter 63541

NCUA · 1 branch

Q2 2026

$89.6MAssets
$58.2MLoans
$82.1MShares
$7.0MNet 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 0.40%, up 3 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 1.85% of loans (+24 bps YoY).
  • Capital: net worth / assets of 7.80%, up 34 bps from a year ago.
  • Funding: loans stand at 70.87% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.40%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.62%-1 bps YoY

Efficiency Ratio (quarter, annualized)

77.52%-372 bps YoY

Net Worth / Assets

7.80%+34 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.56%0.57%0.44%0.40%+3 bps
Return on Equity4.99%7.33%7.35%5.75%5.13%+14 bps
Net Interest Margin3.63%3.67%3.73%3.61%3.62%-1 bps
Efficiency Ratio81.24%79.51%79.43%76.52%77.52%-372 bps
Growth
Asset Growth (YoY)4.50%9.78%4.43%3.16%3.29%-122 bps
Loan Growth (YoY)-2.42%7.03%9.77%9.16%2.65%+507 bps
Share Growth (YoY)4.69%9.69%3.99%2.61%2.76%-192 bps
Asset Quality
Delinquent Loans / Loans1.61%1.47%2.01%1.72%1.85%+24 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 Capital7.46%7.58%7.78%7.70%7.80%+34 bps
Net Worth / Assets7.46%7.58%7.78%7.70%7.80%+34 bps
Liquidity & Funding
Loans / Shares70.95%74.72%74.89%71.31%70.87%-8 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps