PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Springfield City Employees

Springfield, IL · Charter 65424

NCUA · 1 branch

Q2 2026

$12.8MAssets
$8.0MLoans
$10.6MShares
$2.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.79%, down 62 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.33% of loans (-25 bps YoY).
  • Capital: net worth / assets of 17.16%, down 20 bps from a year ago.
  • Funding: loans stand at 75.33% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.79%-62 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+8 bps YoY

Efficiency Ratio (YTD, annualized)

80.30%+1,436 bps YoY

Net Worth / Assets

17.16%-20 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.37%1.63%1.42%1.06%1.00%0.32%0.79%-62 bps
Return on Equity8.02%8.13%9.84%8.16%6.16%5.90%1.91%4.63%-353 bps
Net Interest Margin4.09%4.10%3.98%4.10%4.47%3.99%4.14%4.18%+8 bps
Efficiency Ratio67.69%65.40%60.29%65.93%76.09%74.77%90.48%80.30%+1,436 bps
Growth
Asset Growth (YoY)-4.94%-2.08%3.76%3.90%4.28%5.60%2.21%5.29%+139 bps
Loan Growth (YoY)-0.98%-0.47%-5.39%-4.73%-2.74%0.77%9.21%8.41%+1,315 bps
Share Growth (YoY)-7.26%-4.11%2.59%2.81%3.59%5.50%1.78%5.46%+265 bps
Asset Quality
Delinquent Loans / Loans0.40%0.46%0.71%0.58%0.70%0.44%0.43%0.33%-25 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 Capital16.72%16.86%16.60%17.36%17.16%16.92%16.87%17.16%-20 bps
Net Worth / Assets16.72%16.86%16.60%17.36%17.16%16.92%16.87%17.16%-20 bps
Liquidity & Funding
Loans / Shares77.35%76.82%70.37%73.28%72.62%73.37%75.51%75.33%+205 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps