Decatur, IL · Charter 65841
NCUA · 1 branch
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 IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
12
Profitability
26
Liquidity
49
Efficiency
16
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.
Decatur, IL · Charter 65841
NCUA · 1 branch
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 | 1.06% | 1.32% | 0.37% | -0.06% | 0.48% | -58 bps | |
| Return on Equity | 4.82% | 5.79% | 1.66% | -0.27% | 2.14% | -268 bps | |
| Net Interest Margin | 3.76% | 4.08% | 3.31% | 2.95% | 3.43% | -33 bps | |
| Efficiency Ratio | 72.60% | 68.65% | 89.16% | 102.03% | 86.19% | +1,358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.76% | -1.21% | -1.46% | -3.51% | -2.54% | -178 bps | |
| Loan Growth (YoY) | -8.69% | -4.05% | -2.76% | 0.45% | 8.30% | +1,699 bps | |
| Share Growth (YoY) | -1.27% | -2.23% | -2.21% | -4.56% | -3.40% | -213 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.35% | 2.76% | 1.38% | 2.24% | 2.90% | +156 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.69% | 2.66% | 2.44% | 2.30% | 2.12% | -56 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.04% | 22.74% | 22.36% | 22.79% | 22.68% | +64 bps | |
| Net Worth / Assets | 22.04% | 22.74% | 22.36% | 22.79% | 22.68% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.26% | 50.90% | 50.92% | 53.64% | 55.22% | +597 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Decatur, IL · Charter 65841 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
0.50%
Rank 36 of 50
Net Interest Margin
3.42%
Rank 31 of 50
Efficiency Ratio
85.84%
Rank 43 of 50
Equity / Assets
22.68%
Rank 4 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.49% | 0.97% | 1.35% | Beats 28% | 36 / 50 | |
| Return on Equity | 2.19% | 3.76% | 7.55% | 10.28% | Beats 12% | 44 / 50 | |
| Net Interest Margin | 3.42% | 3.15% | 3.72% | 4.20% | Beats 38% | 31 / 50 | |
| Efficiency Ratio | 85.84% | 67.18% | 75.90% | 80.66% | Beats 16% | 43 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.91% | 0.14% | 0.47% | 0.87% | Beats 12% | 45 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.68% | 10.68% | 13.50% | 16.38% | Beats 92% | 4 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.68% | 10.68% | 13.50% | 16.38% | Beats 92% | 4 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.23% | 55.23% | 70.87% | 80.60% | 24th pctl | 38 / 50 | |
| Loans / Assets | 42.66% | 43.53% | 60.64% | 68.47% | 18th pctl | 41 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||