Paris, IL · Charter 64242
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.25% | 2.29% | 0.34% | 2.13% | 2.04% | -21 bps | |
| Return on Equity | 13.93% | 13.58% | 2.21% | 13.52% | 12.95% | -99 bps | |
| Net Interest Margin | 3.79% | 3.84% | 1.89% | 3.65% | 3.57% | -21 bps | |
| Efficiency Ratio | 41.90% | 41.68% | 82.65% | 42.69% | 43.72% | +182 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.27% | 1.83% | 2.62% | 2.68% | 4.22% | -106 bps | |
| Loan Growth (YoY) | -0.83% | -0.27% | -5.39% | -6.28% | -9.69% | -887 bps | |
| Share Growth (YoY) | 5.64% | 1.36% | 2.68% | 2.74% | 4.69% | -95 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.07% | 0.00% | 0.00% | 0 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 | 16.18% | 16.84% | 15.46% | 15.77% | 15.79% | -39 bps | |
| Net Worth / Assets | 16.18% | 16.84% | 15.46% | 15.77% | 15.79% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.54% | 71.20% | 65.91% | 63.68% | 61.71% | -983 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |