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 | |