Edwardsville, IL · Charter 66370
NCUA · 24 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
66
Profitability
80
Liquidity
55
Efficiency
43
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.
Edwardsville, IL · Charter 66370
NCUA · 24 branches
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 | 0.57% | 0.76% | 0.63% | 1.12% | 1.14% | +57 bps | |
| Return on Equity | 5.94% | 7.66% | 6.40% | 11.36% | 11.21% | +527 bps | |
| Net Interest Margin | 3.77% | 3.89% | 3.76% | 3.77% | 3.79% | +3 bps | |
| Efficiency Ratio | 71.83% | 71.21% | 73.04% | 73.10% | 73.28% | +145 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.67% | 3.24% | 3.72% | 3.54% | 2.66% | +100 bps | |
| Loan Growth (YoY) | -6.44% | -1.35% | 3.99% | 8.97% | 14.19% | +2,063 bps | |
| Share Growth (YoY) | 1.02% | 2.49% | 2.68% | 2.66% | 1.70% | +68 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 0.93% | 1.04% | 0.75% | 0.54% | -42 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 | 9.51% | 9.96% | 9.79% | 9.89% | 10.14% | +62 bps | |
| Net Worth / Assets | 9.51% | 9.96% | 9.79% | 9.89% | 10.14% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.18% | 73.04% | 73.36% | 73.66% | 77.68% | +850 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Edwardsville, IL · Charter 66370 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
Return on Assets
1.14%
Rank 108 of 435
Net Interest Margin
3.79%
Rank 94 of 435
Efficiency Ratio
73.29%
Rank 248 of 435
Equity / Assets
10.14%
Rank 293 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.55% | 0.81% | 1.14% | Beats 75% | 108 / 435 | |
| Return on Equity | 11.21% | 5.12% | 7.41% | 9.70% | Beats 86% | 62 / 435 | |
| Net Interest Margin | 3.79% | 3.01% | 3.39% | 3.75% | Beats 78% | 94 / 435 | |
| Efficiency Ratio | 73.29% | 65.25% | 71.39% | 77.86% | Beats 43% | 248 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.45% | 0.69% | 1.05% | Beats 66% | 148 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.14% | 9.81% | 10.84% | 12.63% | Beats 33% | 293 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.14% | 9.81% | 10.84% | 12.63% | Beats 33% | 293 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.68% | 78.33% | 88.38% | 95.61% | 23rd pctl | 333 / 435 | |
| Loans / Assets | 68.64% | 67.69% | 74.58% | 80.80% | 27th pctl | 317 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||