PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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