PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Scott

Edwardsville, IL · Charter 66370

NCUA · 24 branches

Q2 2026

$1.9BAssets
$1.3BLoans
$1.6BShares
$187.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.14%, up 57 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.54% of loans (-42 bps YoY).
  • Capital: net worth / assets of 10.14%, up 62 bps from a year ago.
  • Funding: loans stand at 77.68% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.14%+57 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+3 bps YoY

Efficiency Ratio (YTD, annualized)

73.28%+145 bps YoY

Net Worth / Assets

10.14%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.76%0.63%1.12%1.14%+57 bps
Return on Equity5.94%7.66%6.40%11.36%11.21%+527 bps
Net Interest Margin3.77%3.89%3.76%3.77%3.79%+3 bps
Efficiency Ratio71.83%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 / Loans0.96%0.93%1.04%0.75%0.54%-42 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.51%9.96%9.79%9.89%10.14%+62 bps
Net Worth / Assets9.51%9.96%9.79%9.89%10.14%+62 bps
Liquidity & Funding
Loans / Shares69.18%73.04%73.36%73.66%77.68%+850 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps