Springfield, IL · Charter 65305
NCUA · 3 branches
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
20
Asset Quality
26
Profitability
26
Liquidity
3
Efficiency
74
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 65305
NCUA · 3 branches
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 | 0.54% | 0.67% | 0.90% | 0.89% | 0.80% | 0.65% | -0.07% | 0.16% | -74 bps | |
| Return on Equity | 4.66% | 5.64% | 7.75% | 8.05% | 7.76% | 6.14% | -0.64% | 1.49% | -656 bps | |
| Net Interest Margin | 3.54% | 3.66% | 3.72% | 3.64% | 3.49% | 3.65% | 4.07% | 4.06% | +42 bps | |
| Efficiency Ratio | 77.41% | 75.59% | 70.24% | 69.86% | 68.75% | 69.43% | 65.59% | 67.32% | -254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.87% | -1.33% | 2.54% | 11.50% | 20.54% | 19.45% | 14.90% | 7.15% | -435 bps | |
| Loan Growth (YoY) | -3.86% | -4.26% | -2.54% | 14.46% | 25.86% | 26.14% | 27.85% | 7.24% | -723 bps | |
| Share Growth (YoY) | -0.07% | 1.13% | 2.27% | 4.10% | 7.60% | 14.25% | 10.66% | 10.45% | +636 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.74% | 0.42% | 0.49% | 1.02% | 1.06% | 0.67% | 0.87% | +37 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.57% | 11.88% | 11.55% | 11.10% | 10.35% | 10.52% | 10.42% | 10.60% | -50 bps | |
| Net Worth / Assets | 11.57% | 11.88% | 11.55% | 11.10% | 10.35% | 10.52% | 10.42% | 10.60% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.46% | 86.23% | 80.38% | 93.91% | 98.79% | 95.21% | 92.86% | 91.17% | -274 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 65305 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 3 branches
Q2 2026
Return on Assets
0.16%
Rank 47 of 50
Net Interest Margin
4.06%
Rank 17 of 50
Efficiency Ratio
67.33%
Rank 14 of 50
Equity / Assets
10.60%
Rank 40 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.16% | 0.49% | 0.97% | 1.35% | Beats 6% | 47 / 50 | ||
| Return on Equity | 1.49% | 3.76% | 7.55% | 10.28% | Beats 6% | 47 / 50 | ||
| Net Interest Margin | 4.06% | 3.15% | 3.72% | 4.20% | Beats 66% | 17 / 50 | ||
| Efficiency Ratio | 67.33% | 67.18% | 75.90% | 80.66% | Beats 74% | 14 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.87% | 0.14% | 0.47% | 0.87% | Beats 26% | 38 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.60% | 10.68% | 13.50% | 16.38% | Beats 20% | 40 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.60% | 10.68% | 13.50% | 16.38% | Beats 20% | 40 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.17% | 55.23% | 70.87% | 80.60% | 86th pctl | 7 / 50 | ||
| Loans / Assets | 77.45% | 43.53% | 60.64% | 68.47% | 86th pctl | 7 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||