Galesburg, IL · Charter 65712
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
96
Asset Quality
78
Profitability
55
Liquidity
70
Efficiency
99
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.
Galesburg, IL · Charter 65712
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 1.40% | 0.76% | 2.25% | 1.77% | +47 bps | |
| Return on Equity | 4.37% | 4.69% | 2.63% | 7.86% | 6.21% | +184 bps | |
| Net Interest Margin | 3.46% | 3.47% | 3.41% | 3.21% | 3.19% | -27 bps | |
| Efficiency Ratio | 54.17% | 53.32% | 71.73% | 27.29% | 41.33% | -1,284 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.78% | 5.67% | 7.35% | 7.71% | 8.30% | +353 bps | |
| Loan Growth (YoY) | -7.52% | -6.48% | -6.12% | -5.44% | -7.07% | +45 bps | |
| Share Growth (YoY) | 5.15% | 6.14% | 9.27% | 9.27% | 10.12% | +497 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.02% | 0.22% | 0.40% | 0.23% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 1.12% | 1.09% | 1.33% | 1.34% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.78% | 29.78% | 28.99% | 28.60% | 28.51% | -127 bps | |
| Net Worth / Assets | 29.78% | 29.78% | 28.99% | 28.60% | 28.51% | -127 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.20% | 69.87% | 66.33% | 62.29% | 60.09% | -1,112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Galesburg, IL · Charter 65712 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.77%
Rank 139 of 1,683
Net Interest Margin
3.19%
Rank 1,341 of 1,683
Efficiency Ratio
41.33%
Rank 24 of 1,682
Equity / Assets
28.51%
Rank 63 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 0.35% | 0.74% | 1.18% | Beats 92% | 139 / 1,683 | |
| Return on Equity | 6.20% | 2.67% | 5.89% | 8.74% | Beats 53% | 782 / 1,681 | |
| Net Interest Margin | 3.19% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,341 / 1,683 | |
| Efficiency Ratio | 41.33% | 68.91% | 78.20% | 86.93% | Beats 99% | 24 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.26% | 0.65% | 1.29% | Beats 78% | 374 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 28.51% | 10.44% | 12.89% | 16.53% | Beats 96% | 63 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 28.51% | 10.44% | 12.89% | 16.53% | Beats 96% | 63 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.09% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,099 / 1,683 | |
| Loans / Assets | 43.06% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,299 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||