Springfield, IL · Charter 66253
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.22% | -0.54% | -0.15% | 0.54% | 0.68% | +190 bps | |
| Return on Equity | -6.80% | -3.03% | -0.80% | 2.78% | 3.81% | +1,061 bps | |
| Net Interest Margin | 3.73% | 3.69% | 3.91% | 4.02% | 3.80% | +7 bps | |
| Efficiency Ratio | 86.09% | 83.83% | 80.94% | 85.71% | 80.68% | -542 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.56% | -1.70% | -7.84% | -2.33% | 5.12% | +1,268 bps | |
| Loan Growth (YoY) | -10.74% | -10.24% | -5.43% | -3.80% | 4.96% | +1,570 bps | |
| Share Growth (YoY) | -8.72% | -1.32% | -9.19% | -2.90% | 5.69% | +1,441 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.85% | 0.81% | 0.72% | +72 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.96% | 17.74% | 18.96% | 19.36% | 17.87% | -9 bps | |
| Net Worth / Assets | 17.96% | 17.74% | 18.96% | 19.36% | 17.87% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.25% | 100.45% | 112.70% | 112.83% | 107.50% | -75 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |