Decatur, IL · Charter 63716
NCUA · 15 branches
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
18
Asset Quality
37
Profitability
32
Liquidity
44
Efficiency
21
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.
Decatur, IL · Charter 63716
NCUA · 15 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.66% | 0.38% | 0.53% | 0.56% | 0.58% | 0.23% | 0.23% | -30 bps | |
| Return on Equity | 6.17% | 6.76% | 3.98% | 5.44% | 5.56% | 6.02% | 2.47% | 2.34% | -309 bps | |
| Net Interest Margin | 3.56% | 3.60% | 3.69% | 3.91% | 3.96% | 3.79% | 3.73% | 3.89% | -2 bps | |
| Efficiency Ratio | 82.66% | 78.50% | 87.65% | 84.57% | 84.07% | 82.54% | 87.77% | 88.44% | +387 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.93% | 4.12% | 4.57% | 1.98% | 1.13% | 7.20% | 6.97% | 4.45% | +247 bps | |
| Loan Growth (YoY) | 9.19% | 2.51% | 6.26% | 7.60% | 8.97% | 15.10% | 12.25% | 7.01% | -59 bps | |
| Share Growth (YoY) | 5.25% | 3.40% | 3.49% | 0.63% | 0.25% | 4.54% | 4.88% | 2.32% | +169 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.42% | 0.93% | 0.89% | 0.94% | 1.19% | 1.00% | 0.91% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.52% | 9.72% | 9.52% | 9.81% | 10.01% | 9.61% | 9.40% | 9.81% | 0 bps | |
| Net Worth / Assets | 9.52% | 9.72% | 9.52% | 9.81% | 10.01% | 9.61% | 9.40% | 9.81% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.08% | 73.10% | 72.80% | 78.57% | 80.53% | 80.49% | 77.92% | 82.18% | +361 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Decatur, IL · Charter 63716 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 15 branches
Q2 2026
Return on Assets
0.23%
Rank 1,364 of 1,683
Net Interest Margin
3.89%
Rank 772 of 1,683
Efficiency Ratio
88.44%
Rank 1,322 of 1,682
Equity / Assets
9.81%
Rank 1,375 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.23% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,364 / 1,683 | ||
| Return on Equity | 2.35% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,302 / 1,681 | ||
| Net Interest Margin | 3.89% | 3.31% | 3.82% | 4.32% | Beats 54% | 772 / 1,683 | ||
| Efficiency Ratio | 88.44% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,322 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.91% | 0.26% | 0.65% | 1.29% | Beats 37% | 1,055 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.81% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,375 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.81% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,375 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.18% | 52.61% | 69.38% | 83.50% | 73rd pctl | 448 / 1,683 | ||
| Loans / Assets | 73.09% | 44.71% | 59.18% | 70.72% | 80th pctl | 337 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||