Chicago, IL · Charter 15454
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
74
Asset Quality
100
Profitability
1
Liquidity
41
Efficiency
2
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.
Chicago, IL · Charter 15454
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 41.21% | -19.20% | -17.24% | -9.72% | -6.41% | -4,761 bps | |
| Return on Equity | 86.49% | -106.76% | -106.01% | -48.24% | -33.86% | -12,035 bps | |
| Net Interest Margin | 1.33% | 1.29% | 0.57% | 1.84% | 1.36% | +3 bps | |
| Efficiency Ratio | 2.96% | 1371% | 2068% | 488% | 522% | +51,901 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.07% | 12.47% | 21.90% | 13.08% | -1.75% | -1,881 bps | |
| Loan Growth (YoY) | -19.12% | 33.56% | 52.04% | 419% | 385% | +40,389 bps | |
| Share Growth (YoY) | 0.13% | 0.38% | -7.82% | 11.34% | 22.25% | +2,212 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 3.77% | 1.75% | 1.96% | 0.72% | 0.78% | -299 bps | |
| Capital | |||||||
| Risk-Based Capital | 47.64% | 17.99% | 16.26% | 20.15% | 18.93% | -2,872 bps | |
| Net Worth / Assets | 47.64% | 17.99% | 16.26% | 20.15% | 18.93% | -2,872 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 7.26% | 15.91% | 15.29% | 35.63% | 28.80% | +2,154 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 15454 · 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
-6.40%
Rank 95 of 96
Net Interest Margin
1.16%
Rank 95 of 96
Efficiency Ratio
700%
Rank 95 of 96
Equity / Assets
18.90%
Rank 25 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.40% | -0.02% | 0.42% | 1.03% | Beats 1% | 95 / 96 | |
| Return on Equity | -33.85% | -0.11% | 2.94% | 6.89% | Beats 1% | 94 / 95 | |
| Net Interest Margin | 1.16% | 3.01% | 3.57% | 4.27% | Beats 1% | 95 / 96 | |
| Efficiency Ratio | 700% | 73.45% | 82.91% | 96.61% | Beats 2% | 95 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.86% | 1.63% | Beats 100% | 20 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.90% | 11.79% | 15.23% | 18.93% | Beats 74% | 25 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.90% | 11.79% | 15.23% | 18.93% | Beats 74% | 25 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 28.70% | 32.14% | 50.03% | 67.81% | 22nd pctl | 75 / 96 | |
| Loans / Assets | 18.60% | 23.12% | 42.50% | 56.24% | 19th pctl | 78 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||