Springfield, IL · Charter 66300
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | -0.08% | 0.41% | 3.82% | 2.22% | +154 bps | |
| Return on Equity | 8.56% | -1.05% | 5.01% | 43.53% | 23.66% | +1,510 bps | |
| Net Interest Margin | 2.95% | 2.94% | 2.88% | 3.22% | 3.21% | +26 bps | |
| Efficiency Ratio | 92.23% | 101.05% | 94.89% | 61.90% | 72.29% | -1,994 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.70% | 1.52% | 1.22% | 4.41% | -0.38% | -909 bps | |
| Loan Growth (YoY) | -20.89% | -8.94% | 4.98% | 25.12% | 12.45% | +3,334 bps | |
| Share Growth (YoY) | 12.82% | 4.06% | 3.14% | 3.97% | -2.04% | -1,486 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.36% | 4.12% | 4.71% | 5.16% | 5.98% | +363 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.89% | 7.76% | 8.09% | 8.79% | 9.36% | +147 bps | |
| Net Worth / Assets | 7.89% | 7.76% | 8.09% | 8.79% | 9.36% | +147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |