Decatur, IL · Charter 65840
NCUA · 1 branch
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 | 1.66% | 1.25% | 1.28% | 1.75% | 1.81% | +16 bps | |
| Return on Equity | 14.05% | 10.31% | 10.34% | 13.80% | 13.44% | -61 bps | |
| Net Interest Margin | 4.26% | 4.44% | 4.39% | 4.26% | 4.37% | +11 bps | |
| Efficiency Ratio | 62.62% | 72.59% | 71.97% | 59.06% | 58.69% | -393 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.85% | -0.77% | 3.19% | -0.21% | -2.91% | -676 bps | |
| Loan Growth (YoY) | 6.13% | 0.51% | -6.28% | -14.84% | -11.71% | -1,783 bps | |
| Share Growth (YoY) | 2.51% | -2.31% | 2.14% | -1.68% | -4.72% | -723 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 1.81% | 1.80% | 1.97% | 1.95% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.80% | 12.13% | 12.34% | 12.67% | 13.51% | +171 bps | |
| Net Worth / Assets | 11.80% | 12.13% | 12.34% | 12.67% | 13.51% | +171 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.45% | 45.31% | 43.33% | 39.36% | 41.19% | -326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |