Bloomington, IL · Charter 1273
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
89
Profitability
11
Liquidity
0
Efficiency
100
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.
Bloomington, IL · Charter 1273
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 | 0.74% | 0.71% | 0.59% | 0.62% | 0.56% | 0.51% | 0.41% | 0.46% | -16 bps | |
| Return on Equity | 4.63% | 4.45% | 3.89% | 4.21% | 3.94% | 3.69% | 3.12% | 3.51% | -70 bps | |
| Net Interest Margin | 0.93% | 0.90% | 0.82% | 0.80% | 0.76% | 0.70% | 0.66% | 0.68% | -13 bps | |
| Efficiency Ratio | 36.23% | 36.76% | 39.25% | 37.53% | 38.52% | 39.63% | 39.53% | 39.51% | +198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.97% | 2.35% | 9.43% | 14.60% | 16.90% | 19.47% | 18.63% | 15.91% | +131 bps | |
| Loan Growth (YoY) | 0.19% | -2.02% | -2.10% | -1.78% | -2.20% | -1.38% | -2.05% | -2.75% | -97 bps | |
| Share Growth (YoY) | -5.36% | 1.09% | 9.02% | 14.84% | 19.11% | 21.35% | 21.26% | 18.86% | +402 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.30% | 0.06% | 0.23% | 0.19% | 0.24% | 0.08% | 0.31% | +8 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 | 16.03% | 15.90% | 15.04% | 14.63% | 14.24% | 13.79% | 13.11% | 13.03% | -160 bps | |
| Net Worth / Assets | 16.03% | 15.90% | 15.04% | 14.63% | 14.24% | 13.79% | 13.11% | 13.03% | -160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.68% | 27.82% | 25.59% | 24.68% | 23.55% | 22.61% | 20.67% | 20.19% | -449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomington, IL · Charter 1273 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 1 branch
Q2 2026
Return on Assets
0.46%
Rank 355 of 435
Net Interest Margin
0.68%
Rank 435 of 435
Efficiency Ratio
39.51%
Rank 1 of 435
Equity / Assets
13.03%
Rank 88 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.46% | 0.55% | 0.81% | 1.14% | Beats 18% | 355 / 435 | ||
| Return on Equity | 3.51% | 5.12% | 7.41% | 9.70% | Beats 15% | 370 / 435 | ||
| Net Interest Margin | 0.68% | 3.01% | 3.39% | 3.75% | Beats 0% | 435 / 435 | ||
| Efficiency Ratio | 39.51% | 65.25% | 71.39% | 77.86% | Beats 100% | 1 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.45% | 0.69% | 1.05% | Beats 89% | 51 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.03% | 9.81% | 10.84% | 12.63% | Beats 80% | 88 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.03% | 9.81% | 10.84% | 12.63% | Beats 80% | 88 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 20.19% | 78.33% | 88.38% | 95.61% | 0th pctl | 433 / 435 | ||
| Loans / Assets | 17.63% | 67.69% | 74.58% | 80.80% | 0th pctl | 433 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||