Urbana, IL · Charter 64568
NCUA · 1 branch
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 | 1.88% | 1.98% | 1.80% | 1.77% | 1.66% | -23 bps | |
| Return on Equity | 12.64% | 13.77% | 12.53% | 12.35% | 10.82% | -181 bps | |
| Net Interest Margin | 5.41% | 5.17% | 4.83% | 5.04% | 4.99% | -42 bps | |
| Efficiency Ratio | 67.08% | 63.67% | 64.87% | 66.82% | 68.89% | +182 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.33% | 12.93% | 17.14% | 13.32% | 10.20% | +586 bps | |
| Loan Growth (YoY) | 0.73% | -12.42% | -10.43% | -9.77% | -0.13% | -86 bps | |
| Share Growth (YoY) | 2.51% | 12.57% | 17.63% | 13.39% | 9.67% | +716 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.44% | 2.19% | 1.57% | 3.46% | 3.18% | +174 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.56% | 2.96% | 2.48% | 2.61% | 2.16% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.89% | 14.41% | 14.33% | 14.35% | 15.30% | +41 bps | |
| Net Worth / Assets | 14.89% | 14.41% | 14.33% | 14.35% | 15.30% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.41% | 74.31% | 71.75% | 69.66% | 81.42% | -799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |