PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Service Plus

Moline, IL · Charter 65770

NCUA · 1 branch

Q2 2026

$34.7MAssets
$18.1MLoans
$30.4MShares
$4.3MNet 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 1.12%, up 77 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.46% of loans (+44 bps YoY).
  • Capital: net worth / assets of 12.29%, up 10 bps from a year ago.
  • Funding: loans stand at 59.46% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.12%+77 bps YoY

Net Interest Margin (quarter, annualized)

3.21%+4 bps YoY

Efficiency Ratio (quarter, annualized)

67.17%-94 bps YoY

Net Worth / Assets

12.29%+10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.66%0.97%1.04%1.12%+77 bps
Return on Equity2.89%5.35%8.30%8.85%9.09%+620 bps
Net Interest Margin3.17%3.28%3.16%3.22%3.21%+4 bps
Efficiency Ratio68.11%64.96%65.59%65.95%67.17%-94 bps
Growth
Asset Growth (YoY)1.78%3.68%7.63%5.73%6.49%+471 bps
Loan Growth (YoY)-8.17%-4.78%-1.35%3.21%2.44%+1,060 bps
Share Growth (YoY)1.65%3.68%8.06%5.77%6.38%+472 bps
Asset Quality
Delinquent Loans / Loans0.02%0.00%0.29%0.08%0.46%+44 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 Capital12.20%12.24%11.65%11.75%12.29%+10 bps
Net Worth / Assets12.20%12.24%11.65%11.75%12.29%+10 bps
Liquidity & Funding
Loans / Shares61.75%63.89%59.85%58.72%59.46%-229 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps