Carbondale, IL · Charter 65427
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |