Decatur, IL · Charter 65841
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.34% | 1.20% | 1.06% | 1.32% | 0.37% | -0.06% | 0.48% | -58 bps | |
| Return on Equity | 4.55% | 1.57% | 5.48% | 4.82% | 5.79% | 1.66% | -0.27% | 2.14% | -268 bps | |
| Net Interest Margin | 3.54% | 3.04% | 3.84% | 3.76% | 4.08% | 3.31% | 2.95% | 3.43% | -33 bps | |
| Efficiency Ratio | 72.48% | 89.39% | 69.57% | 72.60% | 68.65% | 89.16% | 102.03% | 86.19% | +1,358 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.43% | -0.26% | -1.70% | -0.76% | -1.21% | -1.46% | -3.51% | -2.54% | -178 bps | |
| Loan Growth (YoY) | -8.40% | -8.59% | -6.89% | -8.69% | -4.05% | -2.76% | 0.45% | 8.30% | +1,699 bps | |
| Share Growth (YoY) | -0.02% | -0.79% | -2.62% | -1.27% | -2.23% | -2.21% | -4.56% | -3.40% | -213 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 2.12% | 1.06% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.55% | 2.60% | 2.61% | 2.69% | 2.66% | 2.44% | 2.30% | 2.12% | -56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.90% | 21.67% | 21.94% | 22.04% | 22.74% | 22.36% | 22.79% | 22.68% | +64 bps | |
| Net Worth / Assets | 21.90% | 21.67% | 21.94% | 22.04% | 22.74% | 22.36% | 22.79% | 22.68% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.87% | 51.21% | 50.96% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |