PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Empeople

Moline, IL · Charter 68598

NCUA · 34 branches

Q2 2026

$2.3BAssets
$2.0BLoans
$2.0BShares
$187.4MNet 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 0.74%, up 24 bps year over year; NIM at 2.94%.
  • Asset quality: problem loans at 0.59% of loans (-6 bps YoY).
  • Capital: net worth / assets of 8.28%, up 15 bps from a year ago.
  • Funding: loans stand at 96.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.94%+12 bps YoY

Efficiency Ratio (YTD, annualized)

76.12%-219 bps YoY

Net Worth / Assets

8.28%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.43%0.48%0.80%0.74%+24 bps
Return on Equity6.10%5.32%6.15%9.95%8.93%+283 bps
Net Interest Margin2.82%2.78%2.73%2.91%2.94%+12 bps
Efficiency Ratio78.31%78.95%78.43%75.82%76.12%-219 bps
Growth
Asset Growth (YoY)8.71%12.82%1.49%4.52%5.79%-292 bps
Loan Growth (YoY)11.24%12.09%4.11%4.43%3.86%-737 bps
Share Growth (YoY)9.37%9.40%1.10%4.44%5.68%-369 bps
Asset Quality
Delinquent Loans / Loans0.66%0.68%0.54%0.47%0.59%-6 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 Capital8.13%8.00%7.85%8.06%8.28%+15 bps
Net Worth / Assets8.13%8.00%7.85%8.06%8.28%+15 bps
Liquidity & Funding
Loans / Shares97.74%100.02%93.41%93.24%96.06%-168 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps