Decatur, IL · Charter 81688
NCUA · 3 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 | 0.77% | 1.05% | 1.13% | 1.31% | 1.58% | 1.30% | 1.77% | 1.68% | +36 bps | |
| Return on Equity | 5.16% | 6.76% | 7.29% | 8.18% | 9.29% | 7.49% | 9.88% | 8.99% | +81 bps | |
| Net Interest Margin | 4.14% | 4.22% | 4.31% | 4.49% | 4.69% | 4.62% | 4.80% | 4.96% | +47 bps | |
| Efficiency Ratio | 71.12% | 68.68% | 60.81% | 59.79% | 60.71% | 64.16% | 64.45% | 63.75% | +397 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.05% | 15.86% | -0.15% | -2.73% | -2.57% | -2.92% | -6.01% | -6.59% | -386 bps | |
| Loan Growth (YoY) | 5.57% | 4.09% | -4.21% | -6.55% | -10.01% | -10.22% | -10.20% | -9.63% | -308 bps | |
| Share Growth (YoY) | 14.27% | 14.76% | -1.41% | -4.62% | -4.79% | -5.20% | -8.77% | -9.54% | -492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.12% | 1.21% | 0.93% | 0.88% | 0.51% | 0.44% | 0.23% | -70 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 | 14.99% | 15.59% | 15.52% | 16.06% | 17.04% | 17.36% | 17.97% | 18.66% | +260 bps | |
| Net Worth / Assets | 14.99% | 15.59% | 15.52% | 16.06% | 17.04% | 17.36% | 17.97% | 18.66% | +260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.41% | 75.93% | 71.89% | 72.57% | 72.22% | 71.91% | 70.76% | 72.50% | -7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |