Decatur, IL · Charter 81416
NCUA · 6 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 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.
Capital
36
Asset Quality
78
Profitability
64
Liquidity
47
Efficiency
54
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.
Decatur, IL · Charter 81416
NCUA · 6 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 | 1.25% | 1.29% | 1.22% | 1.07% | 1.28% | +3 bps | |
| Return on Equity | 11.09% | 11.36% | 10.57% | 9.25% | 10.82% | -27 bps | |
| Net Interest Margin | 3.78% | 3.73% | 3.68% | 3.61% | 3.66% | -12 bps | |
| Efficiency Ratio | 75.33% | 74.29% | 75.30% | 77.66% | 74.35% | -98 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.12% | 5.17% | 6.18% | 5.67% | 6.47% | +759 bps | |
| Loan Growth (YoY) | 13.45% | 13.85% | 8.31% | 4.79% | 0.00% | -1,345 bps | |
| Share Growth (YoY) | -3.31% | 1.91% | 2.78% | 3.10% | 4.25% | +756 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.12% | 0.10% | 0.07% | 0.13% | +7 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 | 11.28% | 11.39% | 11.51% | 11.54% | 11.83% | +55 bps | |
| Net Worth / Assets | 11.28% | 11.39% | 11.51% | 11.54% | 11.83% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.48% | 86.25% | 85.17% | 82.11% | 81.99% | -349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Decatur, IL · Charter 81416 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 6 branches
Q2 2026
Return on Assets
1.28%
Rank 15 of 50
Net Interest Margin
3.66%
Rank 28 of 50
Efficiency Ratio
74.35%
Rank 24 of 50
Equity / Assets
11.83%
Rank 32 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | 0.49% | 0.97% | 1.35% | Beats 70% | 15 / 50 | |
| Return on Equity | 10.82% | 3.76% | 7.55% | 10.28% | Beats 78% | 11 / 50 | |
| Net Interest Margin | 3.66% | 3.15% | 3.72% | 4.20% | Beats 44% | 28 / 50 | |
| Efficiency Ratio | 74.35% | 67.18% | 75.90% | 80.66% | Beats 54% | 24 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.14% | 0.47% | 0.87% | Beats 78% | 12 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.83% | 10.68% | 13.50% | 16.38% | Beats 36% | 32 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.83% | 10.68% | 13.50% | 16.38% | Beats 36% | 32 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.99% | 55.23% | 70.87% | 80.60% | 78th pctl | 11 / 50 | |
| Loans / Assets | 72.47% | 43.53% | 60.64% | 68.47% | 82nd pctl | 9 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||