Decatur, IL · Charter 81416
NCUA · 6 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.06% | 1.06% | 1.25% | 1.29% | 1.22% | 1.07% | 1.28% | +3 bps | |
| Return on Equity | 10.47% | 9.73% | 9.69% | 11.09% | 11.36% | 10.57% | 9.25% | 10.82% | -27 bps | |
| Net Interest Margin | 3.54% | 3.59% | 3.69% | 3.78% | 3.73% | 3.68% | 3.61% | 3.66% | -12 bps | |
| Efficiency Ratio | 77.57% | 78.19% | 77.78% | 75.33% | 74.29% | 75.30% | 77.66% | 74.35% | -98 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.98% | 2.17% | 0.57% | -1.12% | 5.17% | 6.18% | 5.67% | 6.47% | +759 bps | |
| Loan Growth (YoY) | 2.66% | 4.53% | 6.73% | 13.45% | 13.85% | 8.31% | 4.79% | 0.00% | -1,345 bps | |
| Share Growth (YoY) | -1.03% | 0.68% | -1.16% | -3.31% | 1.91% | 2.78% | 3.10% | 4.25% | +756 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.13% | 0.11% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.74% | 10.93% | 10.92% | 11.28% | 11.39% | 11.51% | 11.54% | 11.83% | +55 bps | |
| Net Worth / Assets | 10.74% | 10.93% | 10.92% | 11.28% | 11.39% | 11.51% | 11.54% | 11.83% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.20% | 80.82% | 80.79% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |