Springfield, IL · Charter 65256
NCUA · 1 branch
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
76
Asset Quality
100
Profitability
97
Liquidity
0
Efficiency
100
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 65256
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.11% | 0.03% | 3.69% | 4.17% | 4.17% | 0.03% | 2.98% | 3.41% | -76 bps | |
| Return on Equity | 17.75% | 0.18% | 22.21% | 23.66% | 22.51% | 0.17% | 18.91% | 20.55% | -311 bps | |
| Net Interest Margin | 4.90% | 2.06% | 5.70% | 6.49% | 6.18% | 2.18% | 5.13% | 5.51% | -98 bps | |
| Efficiency Ratio | 36.52% | 98.72% | 35.24% | 35.68% | 32.55% | 98.84% | 41.77% | 38.11% | +243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.19% | -4.29% | -3.39% | -0.28% | -1.03% | -0.11% | 4.51% | 4.57% | +484 bps | |
| Loan Growth (YoY) | 8.76% | 3.11% | 0.38% | 9.33% | 10.73% | 4.70% | 9.27% | -5.94% | -1,527 bps | |
| Share Growth (YoY) | -6.79% | -2.60% | -4.23% | -1.05% | -2.20% | -0.16% | 5.55% | 5.40% | +645 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.48% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 1.70% | 1.75% | 1.61% | 1.55% | 1.62% | 1.60% | 1.71% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.53% | 14.96% | 16.62% | 17.64% | 18.50% | 15.00% | 15.79% | 16.59% | -105 bps | |
| Net Worth / Assets | 17.53% | 14.96% | 16.62% | 17.64% | 18.50% | 15.00% | 15.79% | 16.59% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.51% | 25.63% | 26.65% | 28.95% | 30.02% | 26.88% | 27.59% | 25.84% | -311 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, IL · Charter 65256 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
3.39%
Rank 1 of 50
Net Interest Margin
5.53%
Rank 2 of 50
Efficiency Ratio
37.63%
Rank 1 of 50
Equity / Assets
16.58%
Rank 12 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.39% | 0.49% | 0.97% | 1.35% | Beats 98% | 1 / 50 | ||
| Return on Equity | 20.43% | 3.76% | 7.55% | 10.28% | Beats 96% | 2 / 50 | ||
| Net Interest Margin | 5.53% | 3.15% | 3.72% | 4.20% | Beats 96% | 2 / 50 | ||
| Efficiency Ratio | 37.63% | 67.18% | 75.90% | 80.66% | Beats 100% | 1 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.47% | 0.87% | Beats 100% | 7 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.58% | 10.68% | 13.50% | 16.38% | Beats 76% | 12 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.58% | 10.68% | 13.50% | 16.38% | Beats 76% | 12 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 25.84% | 55.23% | 70.87% | 80.60% | 4th pctl | 48 / 50 | ||
| Loans / Assets | 21.45% | 43.53% | 60.64% | 68.47% | 4th pctl | 48 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||