Springfield, IL · Charter 64441
NCUA · 3 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 under $1B in assets in IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
70
Profitability
71
Liquidity
61
Efficiency
94
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.
Springfield, IL · Charter 64441
NCUA · 3 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 | 1.89% | 1.88% | 1.74% | 1.53% | 1.78% | -11 bps | |
| Return on Equity | 14.45% | 13.99% | 13.05% | 11.57% | 12.96% | -149 bps | |
| Net Interest Margin | 3.43% | 3.46% | 3.36% | 3.32% | 3.40% | -3 bps | |
| Efficiency Ratio | 54.19% | 54.88% | 56.14% | 59.42% | 56.25% | +206 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.72% | 10.52% | 11.00% | 9.86% | 8.56% | -217 bps | |
| Loan Growth (YoY) | 9.78% | 11.50% | 7.51% | 4.73% | 3.30% | -648 bps | |
| Share Growth (YoY) | 10.31% | 9.82% | 10.30% | 9.41% | 8.08% | -224 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.21% | 0.22% | 0.18% | 0.25% | +7 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 | 13.10% | 13.43% | 13.31% | 13.22% | 13.74% | +64 bps | |
| Net Worth / Assets | 13.10% | 13.43% | 13.31% | 13.22% | 13.74% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.52% | 83.64% | 78.99% | 76.70% | 78.88% | -364 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, IL · Charter 64441 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 3 branches
Q2 2026
Return on Assets
1.78%
Rank 6 of 50
Net Interest Margin
3.40%
Rank 32 of 50
Efficiency Ratio
56.25%
Rank 4 of 50
Equity / Assets
13.74%
Rank 22 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.78% | 0.49% | 0.97% | 1.35% | Beats 88% | 6 / 50 | |
| Return on Equity | 12.96% | 3.76% | 7.55% | 10.28% | Beats 90% | 5 / 50 | |
| Net Interest Margin | 3.40% | 3.15% | 3.72% | 4.20% | Beats 36% | 32 / 50 | |
| Efficiency Ratio | 56.25% | 67.18% | 75.90% | 80.66% | Beats 94% | 4 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.25% | 0.14% | 0.47% | 0.87% | Beats 70% | 16 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.74% | 10.68% | 13.50% | 16.38% | Beats 56% | 22 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.74% | 10.68% | 13.50% | 16.38% | Beats 56% | 22 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.88% | 55.23% | 70.87% | 80.60% | 70th pctl | 15 / 50 | |
| Loans / Assets | 67.98% | 43.53% | 60.64% | 68.47% | 70th pctl | 15 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||