Centralia, IL · Charter 65988
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |