PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Salem School System

Salem, IL · Charter 65346

NCUA · 1 branch

Q2 2026

$2.2MAssets
$1.6MLoans
$1.5MShares
$690KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.19%, down 107 bps year over year; NIM at 4.91%.
  • Asset quality: problem loans at 0.00% of loans (-158 bps YoY).
  • Capital: net worth / assets of 30.85%, down 28 bps from a year ago.
  • Funding: loans stand at 104.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%-107 bps YoY

Net Interest Margin (YTD, annualized)

4.91%-31 bps YoY

Efficiency Ratio (YTD, annualized)

61.41%+470 bps YoY

Net Worth / Assets

30.85%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.26%1.76%1.19%1.19%1.19%-107 bps
Return on Equity7.26%5.60%3.82%3.77%3.86%-340 bps
Net Interest Margin5.22%5.20%4.65%5.29%4.91%-31 bps
Efficiency Ratio56.71%56.93%66.72%62.05%61.41%+470 bps
Growth
Asset Growth (YoY)7.47%4.84%4.06%0.71%3.01%-445 bps
Loan Growth (YoY)4.37%4.22%1.45%-5.80%-2.57%-695 bps
Share Growth (YoY)8.12%4.74%4.10%-0.31%3.48%-463 bps
Asset Quality
Delinquent Loans / Loans1.58%1.16%1.13%0.00%0.00%-158 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.87%0.94%0.93%0.31%0.53%-35 bps
Capital
Risk-Based Capital31.13%31.44%31.14%31.63%30.85%-28 bps
Net Worth / Assets31.13%31.44%31.14%31.63%30.85%-28 bps
Liquidity & Funding
Loans / Shares110.99%112.17%112.99%109.91%104.49%-650 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps