Union Federal Savings and Loan Association: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Yield on securities edged up by 0.20 percentage points, from 3.38% to 3.58%, the largest move among the key lines here. Within Illinois, Union Federal Savings and Loan Association is 254th of 323 on net interest margin, 3.21% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Union Federal Savings and Loan Association sits 0.74 points lower, at 3.21% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.58% |
| Yield on loans | 4.84% |
| Yield on securities | 3.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 1.65% |
| Cost of interest-bearing liabilities | 1.65% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.21% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $484K |
| Interest expense on deposits | $484K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.28% | 1.36% | 3.08% | 4.27% | 3.52% |
| Q4 2023 | 4.44% | 1.54% | 3.08% | 4.43% | 3.62% |
| Q1 2024 | 4.42% | 1.63% | 2.98% | 4.43% | 3.47% |
| Q2 2024 | 4.54% | 1.76% | 2.99% | 4.56% | 3.55% |
| Q3 2024 | 4.59% | 1.85% | 2.97% | 4.64% | 3.26% |
| Q4 2024 | 4.62% | 1.85% | 3.01% | 4.70% | 3.40% |
| Q1 2025 | 4.57% | 1.75% | 3.04% | 4.66% | 3.42% |
| Q2 2025 | 4.54% | 1.73% | 3.04% | 4.61% | 3.45% |
| Q3 2025 | 4.62% | 1.72% | 3.13% | 4.70% | 3.50% |
| Q4 2025 | 4.78% | 1.67% | 3.34% | 4.95% | 3.46% |
| Q1 2026 | 4.62% | 1.64% | 3.20% | 4.81% | 3.38% |
| Q2 2026 | 4.58% | 1.58% | 3.21% | 4.84% | 3.58% |
Union Federal Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Federal Savings and Loan Association, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Union Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27767) · FFIEC NIC profile (RSSD 656779)