Salem, IL · Charter 65346
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.26% | 1.76% | 1.19% | 1.19% | 1.19% | -107 bps | |
| Return on Equity | 7.26% | 5.60% | 3.82% | 3.77% | 3.86% | -340 bps | |
| Net Interest Margin | 5.22% | 5.20% | 4.65% | 5.29% | 4.91% | -31 bps | |
| Efficiency Ratio | 56.71% | 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 / Loans | 1.58% | 1.16% | 1.13% | 0.00% | 0.00% | -158 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.94% | 0.93% | 0.31% | 0.53% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.13% | 31.44% | 31.14% | 31.63% | 30.85% | -28 bps | |
| Net Worth / Assets | 31.13% | 31.44% | 31.14% | 31.63% | 30.85% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 110.99% | 112.17% | 112.99% | 109.91% | 104.49% | -650 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |