PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kaskaskia Valley Community

Centralia, IL · Charter 65988

NCUA · 3 branches

Q2 2026

$29.4MAssets
$17.7MLoans
$26.6MShares
$2.3MNet 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 -0.18%, down 31 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 1.13% of loans (-34 bps YoY).
  • Capital: net worth / assets of 7.91%, down 140 bps from a year ago.
  • Funding: loans stand at 66.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.18%-31 bps YoY

Net Interest Margin (YTD, annualized)

4.73%+6 bps YoY

Efficiency Ratio (YTD, annualized)

98.11%-88 bps YoY

Net Worth / Assets

7.91%-140 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%-0.51%-0.47%-0.54%-0.18%-31 bps
Return on Equity1.37%-5.77%-5.55%-6.80%-2.32%-370 bps
Net Interest Margin4.67%4.63%4.56%4.96%4.73%+6 bps
Efficiency Ratio98.99%104.00%104.59%104.67%98.11%-88 bps
Growth
Asset Growth (YoY)1.77%2.95%6.10%7.34%6.31%+454 bps
Loan Growth (YoY)12.93%4.51%0.80%-4.46%-6.02%-1,895 bps
Share Growth (YoY)2.54%4.06%7.95%8.63%6.88%+435 bps
Asset Quality
Delinquent Loans / Loans1.47%1.08%1.37%1.55%1.13%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.31%8.90%8.53%7.98%7.91%-140 bps
Net Worth / Assets9.31%8.90%8.53%7.98%7.91%-140 bps
Liquidity & Funding
Loans / Shares75.67%74.99%70.85%65.97%66.54%-913 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps