PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

I.B.E.W. Local #146

Decatur, IL · Charter 65840

NCUA · 1 branch

Q2 2026

$5.0MAssets
$1.8MLoans
$4.3MShares
$678KNet Worth

Executive Summary

  • Earnings: ROA of 1.81%, up 16 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.51%, up 171 bps from a year ago.
  • Funding: loans stand at 41.19% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.81%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+11 bps YoY

Efficiency Ratio (YTD, annualized)

58.69%-393 bps YoY

Net Worth / Assets

13.51%+171 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.38%1.51%1.66%1.25%1.28%1.75%1.81%+16 bps
Return on Equity12.07%12.07%13.35%14.05%10.31%10.34%13.80%13.44%-61 bps
Net Interest Margin3.63%3.87%4.19%4.26%4.44%4.39%4.26%4.37%+11 bps
Efficiency Ratio66.87%66.56%65.84%62.62%72.59%71.97%59.06%58.69%-393 bps
Growth
Asset Growth (YoY)4.60%3.99%4.92%3.85%-0.77%3.19%-0.21%-2.91%-676 bps
Loan Growth (YoY)0.92%12.59%12.15%6.13%0.51%-6.28%-14.84%-11.71%-1,783 bps
Share Growth (YoY)3.77%2.87%3.81%2.51%-2.31%2.14%-1.68%-4.72%-723 bps
Asset Quality
Delinquent Loans / Loans0.26%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.81%1.40%1.42%1.80%1.81%1.80%1.97%1.95%+16 bps
Capital
Risk-Based Capital10.74%11.42%11.33%11.80%12.13%12.34%12.67%13.51%+171 bps
Net Worth / Assets10.74%11.42%11.33%11.80%12.13%12.34%12.67%13.51%+171 bps
Liquidity & Funding
Loans / Shares44.04%47.22%45.44%44.45%45.31%43.33%39.36%41.19%-326 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps