PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Illinois State

Normal, IL · Charter 64920

NCUA · 5 branches

Q2 2026

$248.6MAssets
$197.8MLoans
$219.3MShares
$26.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.97%, up 27 bps year over year; NIM at 4.77%.
  • Asset quality: problem loans at 0.54% of loans (+3 bps YoY).
  • Capital: net worth / assets of 10.74%, up 2 bps from a year ago.
  • Funding: loans stand at 90.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+27 bps YoY

Net Interest Margin (YTD, annualized)

4.77%+21 bps YoY

Efficiency Ratio (YTD, annualized)

72.27%-240 bps YoY

Net Worth / Assets

10.74%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.63%0.67%1.00%0.97%+27 bps
Return on Equity6.54%5.79%6.40%9.70%9.02%+248 bps
Net Interest Margin4.56%4.57%4.32%4.81%4.77%+21 bps
Efficiency Ratio74.67%73.99%74.03%74.15%72.27%-240 bps
Growth
Asset Growth (YoY)9.15%6.76%10.46%8.40%8.06%-109 bps
Loan Growth (YoY)17.99%20.81%10.34%12.66%13.71%-428 bps
Share Growth (YoY)9.22%6.80%10.78%8.37%8.07%-115 bps
Asset Quality
Delinquent Loans / Loans0.52%0.62%0.43%0.46%0.54%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.73%10.94%10.54%10.35%10.74%+2 bps
Net Worth / Assets10.73%10.94%10.54%10.35%10.74%+2 bps
Liquidity & Funding
Loans / Shares85.74%89.23%84.74%83.80%90.22%+448 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps