Springfield, IL · Charter 65256
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.17% | 4.17% | 0.03% | 2.98% | 3.41% | -76 bps | |
| Return on Equity | 23.66% | 22.51% | 0.17% | 18.91% | 20.55% | -311 bps | |
| Net Interest Margin | 6.49% | 6.18% | 2.18% | 5.13% | 5.51% | -98 bps | |
| Efficiency Ratio | 35.68% | 32.55% | 98.84% | 41.77% | 38.11% | +243 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.28% | -1.03% | -0.11% | 4.51% | 4.57% | +484 bps | |
| Loan Growth (YoY) | 9.33% | 10.73% | 4.70% | 9.27% | -5.94% | -1,527 bps | |
| Share Growth (YoY) | -1.05% | -2.20% | -0.16% | 5.55% | 5.40% | +645 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.61% | 1.55% | 1.62% | 1.60% | 1.71% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.64% | 18.50% | 15.00% | 15.79% | 16.59% | -105 bps | |
| Net Worth / Assets | 17.64% | 18.50% | 15.00% | 15.79% | 16.59% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |