PackageTrendsPeer
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Cooperative Choice Network

Peoria, IL · Charter 63783

NCUA · 5 branches

Q2 2026

$205.9MAssets
$109.9MLoans
$180.3MShares
$26.2MNet 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 0.33%, up 9 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.37% of loans (-6 bps YoY).
  • Capital: net worth / assets of 12.72%, up 15 bps from a year ago.
  • Funding: loans stand at 60.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.33%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+24 bps YoY

Efficiency Ratio (YTD, annualized)

82.03%-196 bps YoY

Net Worth / Assets

12.72%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.37%0.37%0.30%0.33%+9 bps
Return on Equity1.96%2.85%2.89%2.42%2.62%+66 bps
Net Interest Margin2.66%2.80%2.80%2.82%2.90%+24 bps
Efficiency Ratio83.98%80.62%80.53%82.33%82.03%-196 bps
Growth
Asset Growth (YoY)21.06%20.42%3.30%1.41%1.93%-1,913 bps
Loan Growth (YoY)9.64%11.84%3.02%1.21%-0.89%-1,053 bps
Share Growth (YoY)21.94%20.70%3.14%1.03%1.77%-2,017 bps
Asset Quality
Delinquent Loans / Loans0.43%0.41%0.40%0.31%0.37%-6 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 Capital12.57%12.93%12.81%12.55%12.72%+15 bps
Net Worth / Assets12.57%12.93%12.81%12.55%12.72%+15 bps
Liquidity & Funding
Loans / Shares62.61%64.70%63.57%60.78%60.97%-164 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps