PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Illinois Educators

Springfield, IL · Charter 65305

NCUA · 3 branches

Q2 2026

$120.3MAssets
$93.2MLoans
$102.2MShares
$12.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.16%, down 74 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.87% of loans (+37 bps YoY).
  • Capital: net worth / assets of 10.60%, down 50 bps from a year ago.
  • Funding: loans stand at 91.17% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.16%-74 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+42 bps YoY

Efficiency Ratio (YTD, annualized)

67.32%-254 bps YoY

Net Worth / Assets

10.60%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.67%0.90%0.89%0.80%0.65%-0.07%0.16%-74 bps
Return on Equity4.66%5.64%7.75%8.05%7.76%6.14%-0.64%1.49%-656 bps
Net Interest Margin3.54%3.66%3.72%3.64%3.49%3.65%4.07%4.06%+42 bps
Efficiency Ratio77.41%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 / Loans0.60%0.74%0.42%0.49%1.02%1.06%0.67%0.87%+37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.57%11.88%11.55%11.10%10.35%10.52%10.42%10.60%-50 bps
Net Worth / Assets11.57%11.88%11.55%11.10%10.35%10.52%10.42%10.60%-50 bps
Liquidity & Funding
Loans / Shares84.46%86.23%80.38%93.91%98.79%95.21%92.86%91.17%-274 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps