PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Western Illinois School Employees

Quincy, IL · Charter 65426

NCUA · 1 branch

Q2 2026

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.42%0.43%0.34%0.45%+6 bps
Return on Equity2.39%2.50%2.60%2.08%2.80%+41 bps
Net Interest Margin2.33%2.11%2.08%1.99%2.00%-33 bps
Efficiency Ratio80.19%78.80%78.74%81.76%77.35%-284 bps
Growth
Asset Growth (YoY)0.96%-0.42%2.83%5.08%3.49%+254 bps
Loan Growth (YoY)-3.46%-4.59%-5.63%-4.73%-4.24%-78 bps
Share Growth (YoY)0.63%-0.82%3.07%5.75%3.84%+321 bps
Asset Quality
Delinquent Loans / Loans0.15%0.16%0.26%0.41%0.17%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.18%16.78%16.54%16.14%16.08%-10 bps
Net Worth / Assets16.18%16.78%16.54%16.14%16.08%-10 bps
Liquidity & Funding
Loans / Shares89.63%91.48%86.47%84.30%82.66%-697 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps