Springfield, IL · Charter 66300
NCUA · 1 branch
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 in IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
2
Profitability
66
Liquidity
0
Efficiency
78
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.
Springfield, IL · Charter 66300
NCUA · 1 branch
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 | -0.08% | -0.21% | 2.32% | 0.68% | -0.08% | 0.41% | 3.82% | 2.22% | +154 bps | |
| Return on Equity | -0.84% | -2.14% | 27.65% | 8.56% | -1.05% | 5.01% | 43.53% | 23.66% | +1,510 bps | |
| Net Interest Margin | 2.37% | 2.38% | 3.41% | 2.95% | 2.94% | 2.88% | 3.22% | 3.21% | +26 bps | |
| Efficiency Ratio | 101.00% | 102.77% | 81.28% | 92.23% | 101.05% | 94.89% | 61.90% | 72.29% | -1,994 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.00% | 8.15% | 2.31% | 8.70% | 1.52% | 1.22% | 4.41% | -0.38% | -909 bps | |
| Loan Growth (YoY) | -2.40% | 14.73% | -9.81% | -20.89% | -8.94% | 4.98% | 25.12% | 12.45% | +3,334 bps | |
| Share Growth (YoY) | 10.49% | 9.57% | 5.62% | 12.82% | 4.06% | 3.14% | 3.97% | -2.04% | -1,486 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 39.05% | 17.84% | 2.79% | 5.51% | 5.61% | 3.24% | 11.90% | 23.71% | +1,821 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 | 12.05% | -0.09% | 0.95% | 2.36% | 4.12% | 4.71% | 5.16% | 5.98% | +363 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.00% | 9.73% | 8.38% | 7.89% | 7.76% | 8.09% | 8.79% | 9.36% | +147 bps | |
| Net Worth / Assets | 10.00% | 9.73% | 8.38% | 7.89% | 7.76% | 8.09% | 8.79% | 9.36% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.67% | 19.48% | 14.65% | 13.50% | 13.72% | 19.83% | 17.62% | 15.49% | +200 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, IL · Charter 66300 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
2.63%
Rank 2 of 50
Net Interest Margin
2.63%
Rank 48 of 50
Efficiency Ratio
66.67%
Rank 12 of 50
Equity / Assets
9.21%
Rank 45 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.63% | 0.49% | 0.97% | 1.35% | Beats 96% | 2 / 50 | ||
| Return on Equity | 28.57% | 3.76% | 7.55% | 10.28% | Beats 98% | 1 / 50 | ||
| Net Interest Margin | 2.63% | 3.15% | 3.72% | 4.20% | Beats 4% | 48 / 50 | ||
| Efficiency Ratio | 66.67% | 67.18% | 75.90% | 80.66% | Beats 78% | 12 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 27.27% | 0.14% | 0.47% | 0.87% | Beats 2% | 50 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.21% | 10.68% | 13.50% | 16.38% | Beats 10% | 45 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.21% | 10.68% | 13.50% | 16.38% | Beats 10% | 45 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 15.94% | 55.23% | 70.87% | 80.60% | 0th pctl | 50 / 50 | ||
| Loans / Assets | 14.47% | 43.53% | 60.64% | 68.47% | 0th pctl | 50 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||