Taylorville, IL · Charter 65874
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
43
Profitability
18
Liquidity
82
Efficiency
66
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.
Taylorville, IL · Charter 65874
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 | 0.82% | 0.99% | 0.42% | -4.07% | -1.76% | -258 bps | |
| Return on Equity | 3.87% | 4.50% | 1.91% | -19.00% | -7.76% | -1,162 bps | |
| Net Interest Margin | 2.90% | 3.49% | 3.47% | 4.17% | 3.80% | +89 bps | |
| Efficiency Ratio | 71.71% | 71.66% | 72.63% | 67.14% | 71.14% | -56 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.07% | -2.70% | 2.57% | -6.27% | -9.64% | -757 bps | |
| Loan Growth (YoY) | -1.70% | -3.38% | -1.93% | 3.35% | -21.98% | -2,028 bps | |
| Share Growth (YoY) | -2.68% | -3.53% | 2.66% | -6.88% | -11.25% | -857 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.60% | 4.46% | 5.39% | 3.63% | 0.79% | -281 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.51% | 2.65% | 3.58% | 3.86% | 2.75% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.25% | 21.93% | 21.90% | 21.42% | 22.64% | +139 bps | |
| Net Worth / Assets | 21.25% | 21.93% | 21.90% | 21.42% | 22.64% | +139 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.44% | 81.91% | 81.77% | 78.18% | 73.36% | -1,009 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Taylorville, IL · Charter 65874 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.71%
Rank 1,638 of 1,683
Net Interest Margin
3.77%
Rank 891 of 1,683
Efficiency Ratio
72.73%
Rank 575 of 1,682
Equity / Assets
22.65%
Rank 145 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.71% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,638 / 1,683 | |
| Return on Equity | -7.56% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,608 / 1,681 | |
| Net Interest Margin | 3.77% | 3.31% | 3.82% | 4.32% | Beats 47% | 891 / 1,683 | |
| Efficiency Ratio | 72.73% | 68.91% | 78.20% | 86.93% | Beats 66% | 575 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.80% | 0.26% | 0.65% | 1.29% | Beats 43% | 963 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.65% | 10.44% | 12.89% | 16.53% | Beats 91% | 145 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.65% | 10.44% | 12.89% | 16.53% | Beats 91% | 145 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.36% | 52.61% | 69.38% | 83.50% | 57th pctl | 716 / 1,683 | |
| Loans / Assets | 56.70% | 44.71% | 59.18% | 70.72% | 45th pctl | 929 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||