Springfield, IL · Charter 65424
NCUA · 1 branch
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
78
Asset Quality
68
Profitability
47
Liquidity
78
Efficiency
30
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 65424
NCUA · 1 branch
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 | 1.42% | 1.06% | 1.00% | 0.32% | 0.79% | -62 bps | |
| Return on Equity | 8.16% | 6.16% | 5.90% | 1.91% | 4.63% | -353 bps | |
| Net Interest Margin | 4.10% | 4.47% | 3.99% | 4.14% | 4.18% | +8 bps | |
| Efficiency Ratio | 65.93% | 76.09% | 74.77% | 90.48% | 80.30% | +1,436 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.90% | 4.28% | 5.60% | 2.21% | 5.29% | +139 bps | |
| Loan Growth (YoY) | -4.73% | -2.74% | 0.77% | 9.21% | 8.41% | +1,315 bps | |
| Share Growth (YoY) | 2.81% | 3.59% | 5.50% | 1.78% | 5.46% | +265 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.70% | 0.44% | 0.43% | 0.33% | -25 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 | 17.36% | 17.16% | 16.92% | 16.87% | 17.16% | -20 bps | |
| Net Worth / Assets | 17.36% | 17.16% | 16.92% | 16.87% | 17.16% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.28% | 72.62% | 73.37% | 75.51% | 75.33% | +205 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, IL · Charter 65424 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
0.80%
Rank 32 of 50
Net Interest Margin
4.18%
Rank 14 of 50
Efficiency Ratio
80.07%
Rank 36 of 50
Equity / Assets
17.16%
Rank 11 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.49% | 0.97% | 1.35% | Beats 36% | 32 / 50 | |
| Return on Equity | 4.65% | 3.76% | 7.55% | 10.28% | Beats 32% | 34 / 50 | |
| Net Interest Margin | 4.18% | 3.15% | 3.72% | 4.20% | Beats 72% | 14 / 50 | |
| Efficiency Ratio | 80.07% | 67.18% | 75.90% | 80.66% | Beats 30% | 36 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.14% | 0.47% | 0.87% | Beats 68% | 17 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.16% | 10.68% | 13.50% | 16.38% | Beats 78% | 11 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.16% | 10.68% | 13.50% | 16.38% | Beats 78% | 11 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.34% | 55.23% | 70.87% | 80.60% | 64th pctl | 18 / 50 | |
| Loans / Assets | 62.27% | 43.53% | 60.64% | 68.47% | 54th pctl | 23 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||