Normal, IL · Charter 14972
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 IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
100
Profitability
37
Liquidity
100
Efficiency
34
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.
Normal, IL · Charter 14972
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 | 0.81% | 0.48% | 0.77% | 0.42% | 0.66% | 0.49% | 0.61% | 0.72% | +30 bps | |
| Return on Equity | 7.50% | 4.54% | 7.00% | 3.70% | 5.60% | 4.17% | 5.24% | 6.07% | +237 bps | |
| Net Interest Margin | 3.02% | 2.70% | 3.41% | 2.93% | 3.10% | 2.92% | 3.41% | 3.36% | +43 bps | |
| Efficiency Ratio | 73.13% | 82.11% | 77.51% | 85.72% | 78.80% | 83.29% | 82.10% | 78.63% | -710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.75% | -5.51% | -2.14% | -3.85% | -6.14% | -5.11% | -1.62% | 0.90% | +476 bps | |
| Loan Growth (YoY) | -25.90% | -23.28% | -16.96% | -7.69% | 0.17% | 0.55% | 1.56% | -4.03% | +365 bps | |
| Share Growth (YoY) | -10.20% | -6.30% | -2.43% | -4.42% | -7.23% | -6.29% | -2.42% | 0.26% | +467 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.59% | 1.61% | 1.65% | 1.64% | 1.65% | 1.65% | 1.75% | 1.88% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.80% | 10.63% | 10.95% | 11.31% | 11.78% | 11.73% | 11.66% | 11.82% | +50 bps | |
| Net Worth / Assets | 10.80% | 10.63% | 10.95% | 11.31% | 11.78% | 11.73% | 11.66% | 11.82% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.94% | 70.16% | 70.70% | 73.88% | 75.51% | 75.28% | 73.58% | 70.72% | -316 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Normal, IL · Charter 14972 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
0.71%
Rank 34 of 50
Net Interest Margin
3.36%
Rank 33 of 50
Efficiency Ratio
78.95%
Rank 34 of 50
Equity / Assets
11.82%
Rank 33 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.49% | 0.97% | 1.35% | Beats 32% | 34 / 50 | ||
| Return on Equity | 5.98% | 3.76% | 7.55% | 10.28% | Beats 46% | 27 / 50 | ||
| Net Interest Margin | 3.36% | 3.15% | 3.72% | 4.20% | Beats 34% | 33 / 50 | ||
| Efficiency Ratio | 78.95% | 67.18% | 75.90% | 80.66% | Beats 34% | 34 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.47% | 0.87% | Beats 100% | 7 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.82% | 10.68% | 13.50% | 16.38% | Beats 34% | 33 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.82% | 10.68% | 13.50% | 16.38% | Beats 34% | 33 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.71% | 55.23% | 70.87% | 80.60% | 48th pctl | 26 / 50 | ||
| Loans / Assets | 62.29% | 43.53% | 60.64% | 68.47% | 56th pctl | 22 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||