Joliet, IL · Charter 16437
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
18
Asset Quality
23
Profitability
53
Liquidity
57
Efficiency
59
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.
Joliet, IL · Charter 16437
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 | -0.18% | -0.36% | 0.61% | 0.65% | 0.60% | 0.52% | 1.05% | 0.64% | -1 bps | |
| Return on Equity | -1.74% | -3.61% | 5.76% | 6.13% | 5.64% | 4.74% | 9.54% | 5.80% | -33 bps | |
| Net Interest Margin | 2.18% | 2.20% | 2.87% | 2.96% | 2.90% | 3.14% | 3.50% | 3.25% | +29 bps | |
| Efficiency Ratio | 98.32% | 102.03% | 79.18% | 78.41% | 79.94% | 81.07% | 70.89% | 77.07% | -135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.10% | 7.19% | -6.08% | -3.54% | -0.91% | -5.13% | 1.81% | 0.31% | +385 bps | |
| Loan Growth (YoY) | -10.33% | -10.31% | -10.75% | -14.29% | -14.45% | -15.36% | -15.26% | -14.54% | -24 bps | |
| Share Growth (YoY) | 10.42% | 5.05% | -6.48% | -3.96% | -1.21% | -2.57% | 1.29% | -0.35% | +362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.91% | 0.84% | 0.56% | 0.77% | 0.28% | 0.62% | 2.08% | +152 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 | 10.25% | 9.92% | 10.61% | 10.64% | 10.56% | 10.98% | 11.05% | 11.12% | +48 bps | |
| Net Worth / Assets | 10.25% | 9.92% | 10.61% | 10.64% | 10.56% | 10.98% | 11.05% | 11.12% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.80% | 79.44% | 78.09% | 73.94% | 68.24% | 69.01% | 65.34% | 63.41% | -1,053 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Joliet, IL · Charter 16437 · 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
0.65%
Rank 38 of 96
Net Interest Margin
3.24%
Rank 64 of 96
Efficiency Ratio
77.42%
Rank 40 of 96
Equity / Assets
11.12%
Rank 79 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | -0.02% | 0.42% | 1.03% | Beats 60% | 38 / 96 | ||
| Return on Equity | 5.83% | -0.11% | 2.94% | 6.89% | Beats 66% | 32 / 95 | ||
| Net Interest Margin | 3.24% | 3.01% | 3.57% | 4.27% | Beats 33% | 64 / 96 | ||
| Efficiency Ratio | 77.42% | 73.45% | 82.91% | 96.61% | Beats 59% | 40 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.08% | 0.08% | 0.86% | 1.63% | Beats 23% | 73 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.12% | 11.79% | 15.23% | 18.93% | Beats 18% | 79 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.12% | 11.79% | 15.23% | 18.93% | Beats 18% | 79 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.41% | 32.14% | 50.03% | 67.81% | 74th pctl | 25 / 96 | ||
| Loans / Assets | 56.24% | 23.12% | 42.50% | 56.24% | 75th pctl | 24 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||