Taylorville, IL · Charter 65874
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.21% | 2.77% | 1.46% | 0.82% | 0.99% | 0.42% | -4.07% | -1.76% | -258 bps | |
| Return on Equity | 10.36% | 12.57% | 6.96% | 3.87% | 4.50% | 1.91% | -19.00% | -7.76% | -1,162 bps | |
| Net Interest Margin | 3.67% | 4.33% | 3.39% | 2.90% | 3.49% | 3.47% | 4.17% | 3.80% | +89 bps | |
| Efficiency Ratio | 39.81% | 36.20% | 56.98% | 71.71% | 71.66% | 72.63% | 67.14% | 71.14% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.39% | -9.98% | -7.60% | -2.07% | -2.70% | 2.57% | -6.27% | -9.64% | -757 bps | |
| Loan Growth (YoY) | -2.44% | -6.32% | -13.43% | -1.70% | -3.38% | -1.93% | 3.35% | -21.98% | -2,028 bps | |
| Share Growth (YoY) | -1.05% | -13.15% | -9.89% | -2.68% | -3.53% | 2.66% | -6.88% | -11.25% | -857 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.67% | 5.16% | 4.35% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.08% | 2.37% | 2.76% | 2.51% | 2.65% | 3.58% | 3.86% | 2.75% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.30% | 21.99% | 20.95% | 21.25% | 21.93% | 21.90% | 21.42% | 22.64% | +139 bps | |
| Net Worth / Assets | 21.30% | 21.99% | 20.95% | 21.25% | 21.93% | 21.90% | 21.42% | 22.64% | +139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.79% | 85.60% | 70.44% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |