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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |