Bethalto, IL · Charter 65759
NCUA · 2 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
93
Asset Quality
7
Profitability
37
Liquidity
0
Efficiency
19
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.
Bethalto, IL · Charter 65759
NCUA · 2 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 | 1.46% | 1.32% | 0.55% | 0.56% | 0.28% | -117 bps | |
| Return on Equity | 5.64% | 4.82% | 2.01% | 2.08% | 1.05% | -459 bps | |
| Net Interest Margin | 5.14% | 5.27% | 5.26% | 4.40% | 4.49% | -65 bps | |
| Efficiency Ratio | 72.96% | 76.07% | 78.24% | 87.73% | 94.04% | +2,108 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.54% | -13.30% | -8.83% | -3.64% | -3.74% | +880 bps | |
| Loan Growth (YoY) | -7.22% | -7.18% | -13.55% | -19.06% | -20.88% | -1,366 bps | |
| Share Growth (YoY) | -9.77% | -14.14% | -12.38% | -1.20% | -1.52% | +825 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.02% | 2.82% | 3.09% | 1.99% | 5.12% | +210 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.97% | 3.54% | 3.64% | 3.90% | 4.14% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.83% | 27.39% | 27.24% | 27.13% | 26.75% | +92 bps | |
| Net Worth / Assets | 25.83% | 27.39% | 27.24% | 27.13% | 26.75% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 116.34% | 122.22% | 110.94% | 98.56% | 93.47% | -2,287 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bethalto, IL · Charter 65759 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 2 branches
Q2 2026
Return on Assets
0.25%
Rank 21 of 27
Net Interest Margin
4.47%
Rank 6 of 27
Efficiency Ratio
94.64%
Rank 23 of 27
Equity / Assets
26.76%
Rank 2 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.25% | 0.67% | 0.86% | Beats 22% | 21 / 27 | |
| Return on Equity | 0.94% | 2.16% | 5.85% | 7.25% | Beats 12% | 23 / 26 | |
| Net Interest Margin | 4.47% | 3.01% | 3.75% | 4.07% | Beats 78% | 6 / 27 | |
| Efficiency Ratio | 94.64% | 71.97% | 77.45% | 89.37% | Beats 19% | 23 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.12% | 0.24% | 0.77% | 1.40% | Beats 7% | 26 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.76% | 9.38% | 10.56% | 15.42% | Beats 93% | 2 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.76% | 9.38% | 10.56% | 15.42% | Beats 93% | 2 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.48% | 56.38% | 74.82% | 87.76% | 85th pctl | 4 / 27 | |
| Loans / Assets | 68.27% | 50.27% | 64.80% | 77.37% | 56th pctl | 12 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||