Carbondale, IL · Charter 65427
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 (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.
Capital
71
Asset Quality
100
Profitability
56
Liquidity
58
Efficiency
36
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.
Carbondale, IL · Charter 65427
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.36% | 0.46% | 0.35% | 0.35% | 0.26% | 0.52% | 0.76% | +41 bps | |
| Return on Equity | 6.80% | 2.48% | 3.24% | 2.46% | 2.28% | 1.68% | 3.44% | 4.89% | +243 bps | |
| Net Interest Margin | 4.50% | 4.43% | 4.46% | 4.62% | 4.94% | 4.81% | 4.35% | 4.35% | -26 bps | |
| Efficiency Ratio | 77.12% | 91.08% | 89.84% | 92.39% | 92.95% | 92.89% | 88.24% | 82.62% | -977 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.93% | 10.97% | 11.21% | 4.96% | -1.79% | -4.17% | -4.65% | -5.31% | -1,026 bps | |
| Loan Growth (YoY) | -13.04% | -18.72% | -7.05% | -0.10% | 0.81% | 2.54% | -1.17% | -4.02% | -392 bps | |
| Share Growth (YoY) | 5.94% | 12.19% | 12.82% | 5.60% | -1.72% | -4.86% | -5.48% | -6.48% | -1,208 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.30% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.71% | 0.65% | 0.64% | 0.66% | 0.91% | 0.86% | 0.67% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.26% | 14.38% | 14.05% | 14.33% | 15.39% | 15.27% | 14.99% | 15.59% | +125 bps | |
| Net Worth / Assets | 15.26% | 14.38% | 14.05% | 14.33% | 15.39% | 15.27% | 14.99% | 15.59% | +125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.84% | 50.26% | 52.58% | 54.96% | 57.28% | 54.17% | 54.98% | 56.41% | +145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Carbondale, IL · Charter 65427 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.75%
Rank 834 of 1,683
Net Interest Margin
4.34%
Rank 408 of 1,683
Efficiency Ratio
82.93%
Rank 1,082 of 1,682
Equity / Assets
15.58%
Rank 489 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.35% | 0.74% | 1.18% | Beats 50% | 834 / 1,683 | ||
| Return on Equity | 4.79% | 2.67% | 5.89% | 8.74% | Beats 42% | 975 / 1,681 | ||
| Net Interest Margin | 4.34% | 3.31% | 3.82% | 4.32% | Beats 76% | 408 / 1,683 | ||
| Efficiency Ratio | 82.93% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,082 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.58% | 10.44% | 12.89% | 16.53% | Beats 71% | 489 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.58% | 10.44% | 12.89% | 16.53% | Beats 71% | 489 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.41% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,176 / 1,683 | ||
| Loans / Assets | 47.42% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,188 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||