PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peoria Bell

Peoria, IL · Charter 65905

NCUA · 1 branch

Q2 2026

$6.0MAssets
$3.2MLoans
$3.4MShares
$2.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.66%, up 231 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY).
  • Capital: net worth / assets of 42.56%, down 17 bps from a year ago.
  • Funding: loans stand at 91.74% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.66%+231 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+387 bps YoY

Efficiency Ratio (quarter, annualized)

116.15%-22,473 bps YoY

Net Worth / Assets

42.56%-17 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.97%-0.06%-0.25%-0.62%-0.66%+231 bps
Return on Equity-6.95%-0.14%-0.58%-1.43%-1.55%+541 bps
Net Interest Margin0.08%4.06%4.17%4.06%3.95%+387 bps
Efficiency Ratio341%101.35%105.77%114.68%116.15%-22,473 bps
Growth
Asset Growth (YoY)-3.50%1.88%-1.54%-2.57%-2.16%+134 bps
Loan Growth (YoY)7.48%7.50%4.98%0.97%-9.33%-1,681 bps
Share Growth (YoY)-7.02%3.27%-2.26%-3.74%-1.87%+515 bps
Asset Quality
Delinquent Loans / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.53%0.60%0.62%0.69%+19 bps
Capital
Risk-Based Capital42.73%42.12%43.33%43.00%42.56%-17 bps
Net Worth / Assets42.73%42.12%43.33%43.00%42.56%-17 bps
Liquidity & Funding
Loans / Shares99.29%98.09%98.38%99.47%91.74%-755 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps