Western Springs, IL · Charter 13481
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 in the Chicago-Naperville-Elgin, IL-IN area (n=93 to 96). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
68
Profitability
80
Liquidity
94
Efficiency
94
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.
Western Springs, IL · Charter 13481
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 | 1.89% | 1.58% | -1.11% | 0.58% | 0.62% | 0.89% | 1.80% | 1.88% | +131 bps | |
| Return on Equity | 10.59% | 9.03% | -6.37% | 3.30% | 3.59% | 5.11% | 10.11% | 10.35% | +705 bps | |
| Net Interest Margin | 3.95% | 3.83% | 3.71% | 3.86% | 3.83% | 3.76% | 3.85% | 3.89% | +2 bps | |
| Efficiency Ratio | 50.51% | 50.85% | 56.00% | 50.80% | 49.53% | 50.70% | 53.75% | 51.97% | +117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.83% | -0.13% | 2.46% | 4.45% | 7.87% | 5.88% | 7.15% | 4.97% | +52 bps | |
| Loan Growth (YoY) | 13.28% | 8.05% | 4.24% | -8.76% | -8.06% | -10.15% | -11.99% | 1.37% | +1,013 bps | |
| Share Growth (YoY) | -4.12% | -2.02% | 1.91% | 4.08% | 8.69% | 5.98% | 6.59% | 4.07% | -1 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 1.88% | 0.00% | 2.21% | 2.25% | 0.35% | 0.46% | 0.46% | -175 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 | 0.59% | 0.36% | 0.20% | 0.24% | 1.08% | 1.14% | 1.17% | 0.77% | +52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.85% | 17.45% | 17.37% | 17.47% | 17.21% | 17.37% | 17.81% | 18.19% | +72 bps | |
| Net Worth / Assets | 17.85% | 17.45% | 17.37% | 17.47% | 17.21% | 17.37% | 17.81% | 18.19% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.70% | 54.58% | 54.80% | 48.97% | 49.65% | 46.28% | 45.25% | 47.70% | -127 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Western Springs, IL · Charter 13481 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
Return on Assets
1.88%
Rank 10 of 96
Net Interest Margin
3.92%
Rank 36 of 96
Efficiency Ratio
51.28%
Rank 7 of 96
Equity / Assets
18.18%
Rank 31 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.88% | -0.02% | 0.42% | 1.03% | Beats 90% | 10 / 96 | ||
| Return on Equity | 10.36% | -0.11% | 2.94% | 6.89% | Beats 87% | 12 / 95 | ||
| Net Interest Margin | 3.92% | 3.01% | 3.57% | 4.27% | Beats 63% | 36 / 96 | ||
| Efficiency Ratio | 51.28% | 73.45% | 82.91% | 96.61% | Beats 94% | 7 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.08% | 0.86% | 1.63% | Beats 68% | 31 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.18% | 11.79% | 15.23% | 18.93% | Beats 68% | 31 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.18% | 11.79% | 15.23% | 18.93% | Beats 68% | 31 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.71% | 32.14% | 50.03% | 67.81% | 44th pctl | 54 / 96 | ||
| Loans / Assets | 39.04% | 23.12% | 42.50% | 56.24% | 39th pctl | 59 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||