Wood River, IL · Charter 68684
NCUA · 3 branches
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 in the St. Louis, MO-IL area (n=26 to 27). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
63
Profitability
75
Liquidity
57
Efficiency
96
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.
Wood River, IL · Charter 68684
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.68% | 1.76% | 1.78% | 1.56% | 1.66% | -3 bps | |
| Return on Equity | 13.23% | 13.32% | 13.16% | 11.83% | 12.20% | -103 bps | |
| Net Interest Margin | 3.78% | 3.83% | 3.79% | 3.59% | 3.66% | -12 bps | |
| Efficiency Ratio | 60.18% | 59.28% | 59.17% | 64.90% | 62.29% | +212 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.01% | 5.88% | 6.18% | 6.92% | 7.30% | +229 bps | |
| Loan Growth (YoY) | -0.05% | 1.83% | 4.97% | 5.59% | 5.01% | +507 bps | |
| Share Growth (YoY) | 3.71% | 3.99% | 4.49% | 5.60% | 6.03% | +232 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.35% | 0.50% | 0.25% | 0.44% | +4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.72% | 13.19% | 13.50% | 13.15% | 13.58% | +86 bps | |
| Net Worth / Assets | 12.72% | 13.19% | 13.50% | 13.15% | 13.58% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.63% | 84.99% | 87.19% | 82.41% | 82.83% | -80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wood River, IL · Charter 68684 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 3 branches
Q2 2026
Return on Assets
1.66%
Rank 2 of 27
Net Interest Margin
3.66%
Rank 15 of 27
Efficiency Ratio
62.29%
Rank 2 of 27
Equity / Assets
13.58%
Rank 10 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.66% | 0.25% | 0.67% | 0.86% | Beats 93% | 2 / 27 | |
| Return on Equity | 12.21% | 2.16% | 5.85% | 7.25% | Beats 88% | 3 / 26 | |
| Net Interest Margin | 3.66% | 3.01% | 3.75% | 4.07% | Beats 44% | 15 / 27 | |
| Efficiency Ratio | 62.29% | 71.97% | 77.45% | 89.37% | Beats 96% | 2 / 27 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.24% | 0.77% | 1.40% | Beats 63% | 11 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.58% | 9.38% | 10.56% | 15.42% | Beats 63% | 10 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.58% | 9.38% | 10.56% | 15.42% | Beats 63% | 10 / 27 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.83% | 56.38% | 74.82% | 87.76% | 59th pctl | 11 / 27 | |
| Loans / Assets | 71.46% | 50.27% | 64.80% | 77.37% | 59th pctl | 11 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||