Morrison, IL · Charter 68343
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
79
Profitability
53
Liquidity
98
Efficiency
28
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.
Morrison, IL · Charter 68343
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 | 1.08% | 1.07% | 1.00% | 1.39% | 1.21% | 1.07% | 0.51% | 0.63% | -76 bps | |
| Return on Equity | 10.10% | 9.90% | 9.49% | 13.21% | 10.92% | 9.77% | 4.41% | 5.35% | -787 bps | |
| Net Interest Margin | 4.33% | 4.24% | 4.01% | 4.32% | 4.10% | 4.02% | 4.07% | 4.27% | -5 bps | |
| Efficiency Ratio | 77.86% | 77.03% | 76.90% | 69.97% | 73.60% | 75.42% | 87.69% | 85.79% | +1,582 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.28% | -2.22% | 0.97% | 6.47% | 7.45% | 8.35% | -0.08% | -4.04% | -1,051 bps | |
| Loan Growth (YoY) | -0.44% | -0.38% | -0.71% | -1.22% | -2.50% | -4.05% | -3.93% | -4.81% | -359 bps | |
| Share Growth (YoY) | -2.49% | -3.71% | -0.29% | 5.78% | 6.92% | 8.04% | -1.22% | -5.50% | -1,128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.91% | 0.79% | 0.11% | 0.22% | 0.79% | 0.69% | 0.22% | +11 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.72% | 10.79% | 10.52% | 10.54% | 11.07% | 10.97% | 11.47% | 11.84% | +130 bps | |
| Net Worth / Assets | 10.72% | 10.79% | 10.52% | 10.54% | 11.07% | 10.97% | 11.47% | 11.84% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.45% | 74.72% | 69.70% | 68.23% | 68.80% | 66.36% | 67.78% | 68.73% | +50 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Morrison, IL · Charter 68343 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.63%
Rank 975 of 1,683
Net Interest Margin
4.27%
Rank 455 of 1,683
Efficiency Ratio
85.88%
Rank 1,218 of 1,682
Equity / Assets
11.84%
Rank 1,021 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.63% | 0.35% | 0.74% | 1.18% | Beats 42% | 975 / 1,683 | ||
| Return on Equity | 5.31% | 2.67% | 5.89% | 8.74% | Beats 45% | 924 / 1,681 | ||
| Net Interest Margin | 4.27% | 3.31% | 3.82% | 4.32% | Beats 73% | 455 / 1,683 | ||
| Efficiency Ratio | 85.88% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,218 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 79% | 358 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.84% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,021 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.84% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,021 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.73% | 52.61% | 69.38% | 83.50% | 49th pctl | 861 / 1,683 | ||
| Loans / Assets | 60.21% | 44.71% | 59.18% | 70.72% | 52nd pctl | 806 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||