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 | |