Alton, IL · Charter 65259
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 the St. Louis, MO-IL area (n=26 to 27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
100
Profitability
62
Liquidity
76
Efficiency
30
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.
Alton, IL · Charter 65259
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 | -0.19% | 0.17% | 0.96% | -0.16% | 0.73% | +92 bps | |
| Return on Equity | -0.97% | 0.88% | 4.66% | -0.81% | 3.65% | +462 bps | |
| Net Interest Margin | 5.49% | 5.39% | 5.62% | 5.49% | 5.45% | -4 bps | |
| Efficiency Ratio | 87.87% | 83.72% | 76.47% | 98.34% | 84.42% | -345 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.86% | -1.92% | -2.45% | 0.35% | 2.38% | +924 bps | |
| Loan Growth (YoY) | -0.53% | -2.29% | 5.92% | 4.31% | -3.31% | -278 bps | |
| Share Growth (YoY) | -8.62% | -3.03% | -4.21% | -1.25% | 1.23% | +984 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.22% | 0.06% | 0.19% | 0.00% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 1.95% | 1.57% | 1.72% | 1.88% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.09% | 19.22% | 20.68% | 19.77% | 20.02% | +93 bps | |
| Net Worth / Assets | 19.09% | 19.22% | 20.68% | 19.77% | 20.02% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.70% | 69.80% | 78.88% | 71.62% | 67.54% | -317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alton, IL · Charter 65259 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 1 branch
Q2 2026
Return on Assets
0.72%
Rank 11 of 27
Net Interest Margin
5.46%
Rank 2 of 27
Efficiency Ratio
84.48%
Rank 20 of 27
Equity / Assets
20.02%
Rank 3 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.25% | 0.67% | 0.86% | Beats 59% | 11 / 27 | |
| Return on Equity | 3.59% | 2.16% | 5.85% | 7.25% | Beats 35% | 17 / 26 | |
| Net Interest Margin | 5.46% | 3.01% | 3.75% | 4.07% | Beats 93% | 2 / 27 | |
| Efficiency Ratio | 84.48% | 71.97% | 77.45% | 89.37% | Beats 30% | 20 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.77% | 1.40% | Beats 100% | 3 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.02% | 9.38% | 10.56% | 15.42% | Beats 89% | 3 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.02% | 9.38% | 10.56% | 15.42% | Beats 89% | 3 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.52% | 56.38% | 74.82% | 87.76% | 26th pctl | 20 / 27 | |
| Loans / Assets | 53.91% | 50.27% | 64.80% | 77.37% | 26th pctl | 20 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||