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 | |