Burns Harbor, IN · Charter 17389
NCUA · 4 branches
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
42
Asset Quality
26
Profitability
50
Liquidity
90
Efficiency
69
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.
Burns Harbor, IN · Charter 17389
NCUA · 4 branches
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 | 0.48% | 0.65% | -0.68% | -0.06% | 0.28% | 0.61% | 0.13% | 0.31% | +37 bps | |
| Return on Equity | 3.73% | 4.81% | -5.31% | -0.43% | 2.02% | 4.29% | 0.94% | 2.17% | +260 bps | |
| Net Interest Margin | 4.00% | 4.08% | 3.92% | 4.07% | 4.18% | 4.27% | 4.06% | 4.18% | +11 bps | |
| Efficiency Ratio | 77.41% | 75.84% | 104.34% | 87.95% | 81.66% | 74.98% | 80.22% | 75.98% | -1,197 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.85% | -4.07% | 0.53% | -1.64% | -1.87% | -0.69% | -1.95% | -0.39% | +126 bps | |
| Loan Growth (YoY) | -3.95% | -6.48% | -7.92% | -15.19% | -5.04% | -4.33% | -5.09% | -6.38% | +881 bps | |
| Share Growth (YoY) | -7.25% | -5.42% | -2.00% | -2.56% | -2.88% | -3.38% | -3.73% | -2.04% | +52 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.53% | 2.32% | 1.87% | 2.02% | 2.16% | 1.85% | 1.63% | -24 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 | 12.90% | 13.50% | 12.87% | 13.42% | 13.64% | 14.16% | 13.89% | 14.22% | +80 bps | |
| Net Worth / Assets | 12.90% | 13.50% | 12.87% | 13.42% | 13.64% | 14.16% | 13.89% | 14.22% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.03% | 59.73% | 55.78% | 55.67% | 60.65% | 59.14% | 55.00% | 53.21% | -247 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Burns Harbor, IN · Charter 17389 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 4 branches
Q2 2026
Return on Assets
0.31%
Rank 56 of 96
Net Interest Margin
4.18%
Rank 29 of 96
Efficiency Ratio
75.97%
Rank 31 of 96
Equity / Assets
14.22%
Rank 56 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.31% | -0.02% | 0.42% | 1.03% | Beats 42% | 56 / 96 | ||
| Return on Equity | 2.17% | -0.11% | 2.94% | 6.89% | Beats 39% | 58 / 95 | ||
| Net Interest Margin | 4.18% | 3.01% | 3.57% | 4.27% | Beats 70% | 29 / 96 | ||
| Efficiency Ratio | 75.97% | 73.45% | 82.91% | 96.61% | Beats 69% | 31 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.63% | 0.08% | 0.86% | 1.63% | Beats 26% | 70 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.22% | 11.79% | 15.23% | 18.93% | Beats 42% | 56 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.22% | 11.79% | 15.23% | 18.93% | Beats 42% | 56 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.20% | 32.14% | 50.03% | 67.81% | 57th pctl | 41 / 96 | ||
| Loans / Assets | 46.80% | 23.12% | 42.50% | 56.24% | 61st pctl | 37 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||