PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bloomington Postal Employees

Bloomington, IL · Charter 64038

NCUA · 2 branches

Q2 2026

$20.4MAssets
$4.6MLoans
$16.4MShares
$4.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.94%, up 36 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 3.28% of loans (+294 bps YoY).
  • Capital: net worth / assets of 19.54%, up 155 bps from a year ago.
  • Funding: loans stand at 28.14% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.94%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+52 bps YoY

Efficiency Ratio (YTD, annualized)

71.36%-1,026 bps YoY

Net Worth / Assets

19.54%+155 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%-0.09%0.23%0.57%0.54%0.31%0.41%0.94%+36 bps
Return on Equity0.90%-0.52%1.33%3.19%2.87%1.68%2.25%4.80%+161 bps
Net Interest Margin2.37%2.44%2.39%2.55%2.69%2.76%2.45%3.07%+52 bps
Efficiency Ratio94.58%100.01%92.19%81.62%73.15%82.68%80.06%71.36%-1,026 bps
Growth
Asset Growth (YoY)-8.43%-7.09%-3.89%-6.07%-4.29%-1.34%-2.96%-5.57%+50 bps
Loan Growth (YoY)-9.31%-12.57%-13.47%-13.48%-16.88%-15.46%-19.54%-20.15%-666 bps
Share Growth (YoY)-10.19%-10.49%-4.47%-7.28%-5.69%-2.11%-4.06%-7.47%-19 bps
Asset Quality
Delinquent Loans / Loans1.11%0.70%0.33%0.34%1.35%1.22%0.61%3.28%+294 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.81%17.94%17.16%17.99%18.96%18.50%18.03%19.54%+155 bps
Net Worth / Assets17.81%17.94%17.16%17.99%18.96%18.50%18.03%19.54%+155 bps
Liquidity & Funding
Loans / Shares36.18%35.17%32.35%32.61%31.89%30.37%27.13%28.14%-447 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps