Springfield, IL · Charter 65305
NCUA · 3 branches
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 | 0.89% | 0.80% | 0.65% | -0.07% | 0.16% | -74 bps | |
| Return on Equity | 8.05% | 7.76% | 6.14% | -0.64% | 1.49% | -656 bps | |
| Net Interest Margin | 3.64% | 3.49% | 3.65% | 4.07% | 4.06% | +42 bps | |
| Efficiency Ratio | 69.86% | 68.75% | 69.43% | 65.59% | 67.32% | -254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.50% | 20.54% | 19.45% | 14.90% | 7.15% | -435 bps | |
| Loan Growth (YoY) | 14.46% | 25.86% | 26.14% | 27.85% | 7.24% | -723 bps | |
| Share Growth (YoY) | 4.10% | 7.60% | 14.25% | 10.66% | 10.45% | +636 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.10% | 10.35% | 10.52% | 10.42% | 10.60% | -50 bps | |
| Net Worth / Assets | 11.10% | 10.35% | 10.52% | 10.42% | 10.60% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |