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 (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 | 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 | |