Effingham, IL · Charter 81553
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
100
Profitability
94
Liquidity
0
Efficiency
88
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.
Effingham, IL · Charter 81553
NCUA · 1 branch
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 | 1.88% | 2.03% | 2.45% | 2.89% | 2.71% | 2.77% | 2.50% | 2.22% | -67 bps | |
| Return on Equity | 11.47% | 11.94% | 14.22% | 16.08% | 14.29% | 14.10% | 12.85% | 11.20% | -488 bps | |
| Net Interest Margin | 4.53% | 4.70% | 5.33% | 5.46% | 5.57% | 5.60% | 5.45% | 5.53% | +6 bps | |
| Efficiency Ratio | 59.98% | 58.30% | 55.38% | 51.43% | 52.87% | 52.19% | 55.48% | 60.94% | +951 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.58% | 0.11% | 3.79% | 0.16% | -2.30% | -1.53% | 2.61% | 3.74% | +358 bps | |
| Loan Growth (YoY) | -10.62% | -7.11% | -5.18% | -2.28% | -1.80% | -2.26% | 12.89% | 11.00% | +1,328 bps | |
| Share Growth (YoY) | -2.42% | 2.70% | 2.22% | -2.20% | -5.39% | -4.43% | -0.18% | 1.33% | +353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 1.44% | 0.60% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.98% | 0.98% | 0.91% | 0.90% | 0.91% | 0.94% | 0.89% | 0.51% | -39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.36% | 17.03% | 17.25% | 17.96% | 18.97% | 19.62% | 19.49% | 19.83% | +186 bps | |
| Net Worth / Assets | 16.36% | 17.03% | 17.25% | 17.96% | 18.97% | 19.62% | 19.49% | 19.83% | +186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.18% | 94.45% | 90.31% | 93.87% | 97.76% | 96.60% | 102.14% | 102.83% | +896 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Effingham, IL · Charter 81553 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.21%
Rank 53 of 1,683
Net Interest Margin
5.50%
Rank 68 of 1,683
Efficiency Ratio
61.08%
Rank 203 of 1,682
Equity / Assets
19.83%
Rank 233 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.21% | 0.35% | 0.74% | 1.18% | Beats 97% | 53 / 1,683 | ||
| Return on Equity | 11.13% | 2.67% | 5.89% | 8.74% | Beats 88% | 196 / 1,681 | ||
| Net Interest Margin | 5.50% | 3.31% | 3.82% | 4.32% | Beats 96% | 68 / 1,683 | ||
| Efficiency Ratio | 61.08% | 68.91% | 78.20% | 86.93% | Beats 88% | 203 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.83% | 10.44% | 12.89% | 16.53% | Beats 86% | 233 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.83% | 10.44% | 12.89% | 16.53% | Beats 86% | 233 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.82% | 52.61% | 69.38% | 83.50% | 98th pctl | 40 / 1,683 | ||
| Loans / Assets | 82.31% | 44.71% | 59.18% | 70.72% | 94th pctl | 94 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||