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Western Illinois School Employees

Quincy, IL · Charter 65426

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Western Illinois School Employees

Quincy, IL · Charter 65426

NCUA · 1 branch

Q2 2026

$24.0MAssets
$16.5MLoans
$20.0MShares
$3.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.45%, up 6 bps year over year; NIM at 2.00%.
  • Asset quality: problem loans at 0.17% of loans (+2 bps YoY).
  • Capital: net worth / assets of 16.08%, down 10 bps from a year ago.
  • Funding: loans stand at 82.66% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.45%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.00%-33 bps YoY

Efficiency Ratio (YTD, annualized)

77.35%-284 bps YoY

Net Worth / Assets

16.08%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%0.79%0.30%0.39%0.42%0.43%0.34%0.45%+6 bps
Return on Equity6.82%4.78%1.83%2.39%2.50%2.60%2.08%2.80%+41 bps
Net Interest Margin2.24%2.22%2.02%2.33%2.11%2.08%1.99%2.00%-33 bps
Efficiency Ratio56.34%66.01%84.48%80.19%78.80%78.74%81.76%77.35%-284 bps
Growth
Asset Growth (YoY)-2.78%-1.49%-0.29%0.96%-0.42%2.83%5.08%3.49%+254 bps
Loan Growth (YoY)2.21%-1.17%-2.31%-3.46%-4.59%-5.63%-4.73%-4.24%-78 bps
Share Growth (YoY)-4.02%-2.35%-1.57%0.63%-0.82%3.07%5.75%3.84%+321 bps
Asset Quality
Delinquent Loans / Loans0.81%0.86%0.31%0.15%0.16%0.26%0.41%0.17%+2 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 Capital16.49%16.59%16.53%16.18%16.78%16.54%16.14%16.08%-10 bps
Net Worth / Assets16.49%16.59%16.53%16.18%16.78%16.54%16.14%16.08%-10 bps
Liquidity & Funding
Loans / Shares95.10%94.44%93.58%89.63%91.48%86.47%84.30%82.66%-697 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Western Illinois School Employees

Quincy, IL · Charter 65426 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$24.0MAssets
$16.5MLoans
$20.0MShares
$3.9MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets (rank 322 of 1682).
  • Widest gap: net interest margin trails 98% of credit unions under $1B in assets (rank 1657 of 1683).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.45%

Rank 1,184 of 1,683

Net Interest Margin

2.00%

Rank 1,657 of 1,683

Efficiency Ratio

77.34%

Rank 794 of 1,682

Equity / Assets

16.08%

Rank 455 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.45%0.35%0.74%1.18%Beats 30%1,184 / 1,683
Return on Equity2.80%2.67%5.89%8.74%Beats 26%1,240 / 1,681
Net Interest Margin2.00%3.31%3.82%4.32%Beats 2%1,657 / 1,683
Efficiency Ratio77.34%68.91%78.20%86.93%Beats 53%794 / 1,682
Asset Quality
Nonperforming Loans / Loans0.18%0.26%0.65%1.29%Beats 81%322 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.08%10.44%12.89%16.53%Beats 73%455 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.08%10.44%12.89%16.53%Beats 73%455 / 1,683
Liquidity & Funding
Loans / Deposits82.66%52.61%69.38%83.50%74th pctl437 / 1,683
Loans / Assets68.73%44.71%59.18%70.72%71st pctl490 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution