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Decatur Earthmover

Forsyth, IL · Charter 68597

NCUA · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in IL3

Basis

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.

Peer group

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.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

10

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Decatur Earthmover

Forsyth, IL · Charter 68597

NCUA · 6 branches

Q2 2026

$310.3MAssets
$156.4MLoans
$272.0MShares
$36.1MNet 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 0.23%, down 19 bps year over year; NIM at 4.25%.
  • Asset quality: problem loans at 0.59% of loans (+23 bps YoY).
  • Capital: net worth / assets of 11.64%, down 15 bps from a year ago.
  • Funding: loans stand at 57.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%-19 bps YoY

Net Interest Margin (YTD, annualized)

4.25%0 bps YoY

Efficiency Ratio (YTD, annualized)

92.03%+260 bps YoY

Net Worth / Assets

11.64%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.40%0.29%0.05%0.23%-19 bps
Return on Equity3.59%3.35%2.41%0.41%2.01%-158 bps
Net Interest Margin4.25%4.36%4.38%4.10%4.25%0 bps
Efficiency Ratio89.43%89.51%90.48%96.63%92.03%+260 bps
Growth
Asset Growth (YoY)-0.52%1.73%2.64%2.60%2.86%+339 bps
Loan Growth (YoY)0.24%2.89%1.10%0.39%-2.66%-290 bps
Share Growth (YoY)-2.45%0.44%1.21%1.73%2.23%+468 bps
Asset Quality
Delinquent Loans / Loans0.37%0.42%0.41%0.46%0.59%+23 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 Capital11.79%12.02%11.85%11.38%11.64%-15 bps
Net Worth / Assets11.79%12.02%11.85%11.38%11.64%-15 bps
Liquidity & Funding
Loans / Shares60.37%62.19%60.69%56.81%57.49%-288 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Decatur Earthmover

Forsyth, IL · Charter 68597 · Peer group: credit unions under $1B in assets in IL (n=50)

NCUA · 6 branches

Q2 2026

$310.3MAssets
$156.4MLoans
$272.0MShares
$36.1MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 76% of credit unions under $1B in assets in IL (rank 12 of 50).
  • Widest gap: return on equity trails 92% of credit unions under $1B in assets in IL (rank 46 of 50).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.23%

Rank 45 of 50

Net Interest Margin

4.25%

Rank 12 of 50

Efficiency Ratio

92.03%

Rank 46 of 50

Equity / Assets

11.64%

Rank 34 of 50

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.23%0.49%0.97%1.35%Beats 10%45 / 50
Return on Equity2.01%3.76%7.55%10.28%Beats 8%46 / 50
Net Interest Margin4.25%3.15%3.72%4.20%Beats 76%12 / 50
Efficiency Ratio92.03%67.18%75.90%80.66%Beats 10%46 / 50
Asset Quality
Nonperforming Loans / Loans0.59%0.14%0.47%0.87%Beats 38%32 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.64%10.68%13.50%16.38%Beats 32%34 / 50
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.64%10.68%13.50%16.38%Beats 32%34 / 50
Liquidity & Funding
Loans / Deposits57.49%55.23%70.87%80.60%30th pctl35 / 50
Loans / Assets50.40%43.53%60.64%68.47%30th pctl35 / 50
Brokered Deposits / Depositsn/aNot reported for this institution