PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Land of Lincoln

Decatur, IL · Charter 63716

NCUA · 15 branches

Q2 2026

$498.9MAssets
$364.6MLoans
$443.7MShares
$48.9MNet 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 0.23%, down 30 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.91% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.81%, unchanged from a year ago.
  • Funding: loans stand at 82.18% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.89%-2 bps YoY

Efficiency Ratio (YTD, annualized)

88.44%+387 bps YoY

Net Worth / Assets

9.81%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.56%0.58%0.23%0.23%-30 bps
Return on Equity5.44%5.56%6.02%2.47%2.34%-309 bps
Net Interest Margin3.91%3.96%3.79%3.73%3.89%-2 bps
Efficiency Ratio84.57%84.07%82.54%87.77%88.44%+387 bps
Growth
Asset Growth (YoY)1.98%1.13%7.20%6.97%4.45%+247 bps
Loan Growth (YoY)7.60%8.97%15.10%12.25%7.01%-59 bps
Share Growth (YoY)0.63%0.25%4.54%4.88%2.32%+169 bps
Asset Quality
Delinquent Loans / Loans0.89%0.94%1.19%1.00%0.91%+2 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 Capital9.81%10.01%9.61%9.40%9.81%0 bps
Net Worth / Assets9.81%10.01%9.61%9.40%9.81%0 bps
Liquidity & Funding
Loans / Shares78.57%80.53%80.49%77.92%82.18%+361 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps