PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Effingham Highway

Effingham, IL · Charter 81553

NCUA · 1 branch

Q2 2026

$5.9MAssets
$4.8MLoans
$4.7MShares
$1.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.22%, down 67 bps year over year; NIM at 5.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.83%, up 186 bps from a year ago.
  • Funding: loans stand at 102.83% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.22%-67 bps YoY

Net Interest Margin (YTD, annualized)

5.53%+6 bps YoY

Efficiency Ratio (YTD, annualized)

60.94%+951 bps YoY

Net Worth / Assets

19.83%+186 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.89%2.71%2.77%2.50%2.22%-67 bps
Return on Equity16.08%14.29%14.10%12.85%11.20%-488 bps
Net Interest Margin5.46%5.57%5.60%5.45%5.53%+6 bps
Efficiency Ratio51.43%52.87%52.19%55.48%60.94%+951 bps
Growth
Asset Growth (YoY)0.16%-2.30%-1.53%2.61%3.74%+358 bps
Loan Growth (YoY)-2.28%-1.80%-2.26%12.89%11.00%+1,328 bps
Share Growth (YoY)-2.20%-5.39%-4.43%-0.18%1.33%+353 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%0.91%0.94%0.89%0.51%-39 bps
Capital
Risk-Based Capital17.96%18.97%19.62%19.49%19.83%+186 bps
Net Worth / Assets17.96%18.97%19.62%19.49%19.83%+186 bps
Liquidity & Funding
Loans / Shares93.87%97.76%96.60%102.14%102.83%+896 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps