Bethalto, IL · Charter 63932
NCUA · 10 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
3
Profitability
78
Liquidity
25
Efficiency
55
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.
Bethalto, IL · Charter 63932
NCUA · 10 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.26% | 1.61% | 1.48% | 0.48% | 1.22% | -4 bps | |
| Return on Equity | 10.67% | 12.74% | 11.54% | 3.75% | 9.12% | -156 bps | |
| Net Interest Margin | 3.38% | 3.55% | 3.62% | 3.89% | 3.92% | +54 bps | |
| Efficiency Ratio | 68.23% | 64.13% | 66.29% | 81.23% | 70.32% | +209 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.65% | 2.09% | 0.48% | -1.10% | -1.97% | -762 bps | |
| Loan Growth (YoY) | 3.42% | 3.29% | 2.43% | 2.75% | 1.40% | -203 bps | |
| Share Growth (YoY) | 5.37% | 4.07% | 3.63% | 3.56% | 2.64% | -273 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.45% | 0.50% | 0.42% | 2.01% | +152 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.76% | 12.63% | 12.84% | 12.92% | 13.33% | +157 bps | |
| Net Worth / Assets | 11.76% | 12.63% | 12.84% | 12.92% | 13.33% | +157 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.09% | 102.26% | 101.17% | 98.65% | 98.87% | -122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bethalto, IL · Charter 63932 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
Return on Assets
1.22%
Rank 81 of 435
Net Interest Margin
3.92%
Rank 72 of 435
Efficiency Ratio
70.32%
Rank 197 of 435
Equity / Assets
13.33%
Rank 76 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 0.55% | 0.81% | 1.14% | Beats 81% | 81 / 435 | |
| Return on Equity | 9.12% | 5.12% | 7.41% | 9.70% | Beats 69% | 134 / 435 | |
| Net Interest Margin | 3.92% | 3.01% | 3.39% | 3.75% | Beats 83% | 72 / 435 | |
| Efficiency Ratio | 70.32% | 65.25% | 71.39% | 77.86% | Beats 55% | 197 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.01% | 0.45% | 0.69% | 1.05% | Beats 3% | 421 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.34% | 9.81% | 10.84% | 12.63% | Beats 83% | 76 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.33% | 9.81% | 10.84% | 12.63% | Beats 83% | 76 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.87% | 78.33% | 88.38% | 95.61% | 82nd pctl | 80 / 435 | |
| Loans / Assets | 84.64% | 67.69% | 74.58% | 80.80% | 89th pctl | 48 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||