Centralia, IL · Charter 65988
NCUA · 3 branches
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
3
Asset Quality
29
Profitability
34
Liquidity
91
Efficiency
9
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.
Centralia, IL · Charter 65988
NCUA · 3 branches
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 | 0.24% | 0.66% | -0.40% | 0.13% | -0.51% | -0.47% | -0.54% | -0.18% | -31 bps | |
| Return on Equity | 2.39% | 6.87% | -4.22% | 1.37% | -5.77% | -5.55% | -6.80% | -2.32% | -370 bps | |
| Net Interest Margin | 4.99% | 4.85% | 4.65% | 4.67% | 4.63% | 4.56% | 4.96% | 4.73% | +6 bps | |
| Efficiency Ratio | 84.27% | 87.87% | 104.27% | 98.99% | 104.00% | 104.59% | 104.67% | 98.11% | -88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.12% | 0.36% | -0.99% | 1.77% | 2.95% | 6.10% | 7.34% | 6.31% | +454 bps | |
| Loan Growth (YoY) | 7.60% | 9.38% | 9.70% | 12.93% | 4.51% | 0.80% | -4.46% | -6.02% | -1,895 bps | |
| Share Growth (YoY) | -2.04% | -0.45% | -0.66% | 2.54% | 4.06% | 7.95% | 8.63% | 6.88% | +435 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.85% | 1.44% | 1.47% | 1.08% | 1.37% | 1.55% | 1.13% | -34 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.00% | 9.61% | 9.53% | 9.31% | 8.90% | 8.53% | 7.98% | 7.91% | -140 bps | |
| Net Worth / Assets | 10.00% | 9.61% | 9.53% | 9.31% | 8.90% | 8.53% | 7.98% | 7.91% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.66% | 75.87% | 75.01% | 75.67% | 74.99% | 70.85% | 65.97% | 66.54% | -913 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Centralia, IL · Charter 65988 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.18%
Rank 1,534 of 1,683
Net Interest Margin
4.73%
Rank 239 of 1,683
Efficiency Ratio
98.07%
Rank 1,539 of 1,682
Equity / Assets
7.91%
Rank 1,628 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.18% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,534 / 1,683 | ||
| Return on Equity | -2.33% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,560 / 1,681 | ||
| Net Interest Margin | 4.73% | 3.31% | 3.82% | 4.32% | Beats 86% | 239 / 1,683 | ||
| Efficiency Ratio | 98.07% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,539 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.13% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,193 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,628 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.91% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,628 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.54% | 52.61% | 69.38% | 83.50% | 45th pctl | 932 / 1,683 | ||
| Loans / Assets | 60.23% | 44.71% | 59.18% | 70.72% | 52nd pctl | 805 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||