PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Catholic & Community

Shiloh, IL · Charter 65735

NCUA · 3 branches

Q2 2026

$222.7MAssets
$112.0MLoans
$198.6MShares
$22.5MNet 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 0.73%, up 34 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.13% of loans (-22 bps YoY).
  • Capital: net worth / assets of 10.13%, up 48 bps from a year ago.
  • Funding: loans stand at 56.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%+34 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+37 bps YoY

Efficiency Ratio (YTD, annualized)

74.78%-916 bps YoY

Net Worth / Assets

10.13%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.61%0.57%0.69%0.73%+34 bps
Return on Equity4.08%6.25%5.68%6.88%7.25%+316 bps
Net Interest Margin2.29%2.53%2.59%2.62%2.66%+37 bps
Efficiency Ratio83.95%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 / Loans0.35%0.30%0.34%0.26%0.13%-22 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 Capital9.64%9.78%9.96%10.05%10.13%+48 bps
Net Worth / Assets9.64%9.78%9.96%10.05%10.13%+48 bps
Liquidity & Funding
Loans / Shares53.89%53.26%53.16%53.70%56.38%+250 bps
Liquid Assets / Assets0.00%98.10%0.00%0.00%0.00%0 bps