Shiloh, IL · Charter 65735
NCUA · 3 branches
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 in the St. Louis, MO-IL area (n=26 to 27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
85
Profitability
50
Liquidity
38
Efficiency
67
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.
Shiloh, IL · Charter 65735
NCUA · 3 branches
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 | 0.39% | 0.61% | 0.57% | 0.69% | 0.73% | +34 bps | |
| Return on Equity | 4.08% | 6.25% | 5.68% | 6.88% | 7.25% | +316 bps | |
| Net Interest Margin | 2.29% | 2.53% | 2.59% | 2.62% | 2.66% | +37 bps | |
| Efficiency Ratio | 83.95% | 77.57% | 76.53% | 77.65% | 74.78% | -916 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.14% | 6.85% | 4.45% | 1.53% | 2.55% | -358 bps | |
| Loan Growth (YoY) | 6.79% | 4.80% | 4.17% | 6.73% | 6.04% | -75 bps | |
| Share Growth (YoY) | 5.68% | 6.36% | 5.06% | 2.68% | 1.34% | -434 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.30% | 0.34% | 0.26% | 0.13% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.64% | 9.78% | 9.96% | 10.05% | 10.13% | +48 bps | |
| Net Worth / Assets | 9.64% | 9.78% | 9.96% | 10.05% | 10.13% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.89% | 53.26% | 53.16% | 53.70% | 56.38% | +250 bps | |
| Liquid Assets / Assets | 0.00% | 98.10% | 0.00% | 0.00% | 0.00% | 0 bps | |
Shiloh, IL · Charter 65735 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 3 branches
Q2 2026
Return on Assets
0.73%
Rank 9 of 27
Net Interest Margin
2.66%
Rank 24 of 27
Efficiency Ratio
74.79%
Rank 10 of 27
Equity / Assets
10.13%
Rank 16 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.25% | 0.67% | 0.86% | Beats 67% | 9 / 27 | |
| Return on Equity | 7.25% | 2.16% | 5.85% | 7.25% | Beats 73% | 7 / 26 | |
| Net Interest Margin | 2.66% | 3.01% | 3.75% | 4.07% | Beats 11% | 24 / 27 | |
| Efficiency Ratio | 74.79% | 71.97% | 77.45% | 89.37% | Beats 67% | 10 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.24% | 0.77% | 1.40% | Beats 85% | 5 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.13% | 9.38% | 10.56% | 15.42% | Beats 41% | 16 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.13% | 9.38% | 10.56% | 15.42% | Beats 41% | 16 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.38% | 56.38% | 74.82% | 87.76% | 22nd pctl | 21 / 27 | |
| Loans / Assets | 50.27% | 50.27% | 64.80% | 77.37% | 22nd pctl | 21 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||