Des Plaines, IL · Charter 17752
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
34
Asset Quality
74
Profitability
52
Liquidity
99
Efficiency
86
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.
Des Plaines, IL · Charter 17752
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 | 1.67% | 1.56% | 1.57% | 1.45% | 1.47% | 1.29% | 0.82% | 0.90% | -56 bps | |
| Return on Equity | 12.78% | 11.85% | 11.71% | 10.81% | 10.54% | 9.38% | 5.93% | 6.56% | -425 bps | |
| Net Interest Margin | 3.14% | 2.99% | 3.12% | 3.01% | 3.03% | 2.79% | 2.55% | 2.49% | -53 bps | |
| Efficiency Ratio | 47.77% | 49.47% | 51.55% | 53.63% | 51.82% | 54.73% | 67.50% | 64.76% | +1,112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.19% | -1.39% | 0.85% | 2.26% | 4.23% | 4.84% | 5.20% | 5.85% | +359 bps | |
| Loan Growth (YoY) | -2.73% | -2.53% | 4.97% | 12.66% | 17.07% | 18.25% | 11.31% | 4.51% | -815 bps | |
| Share Growth (YoY) | -4.13% | -3.30% | -0.87% | 0.82% | 3.17% | 4.00% | 4.66% | 5.52% | +470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.11% | 0.06% | 0.11% | 0.05% | 0.20% | 0.04% | 0.09% | -1 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 | 13.07% | 13.15% | 13.41% | 13.46% | 13.92% | 13.80% | 13.82% | 13.68% | +22 bps | |
| Net Worth / Assets | 13.07% | 13.15% | 13.41% | 13.46% | 13.92% | 13.80% | 13.82% | 13.68% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.27% | 45.16% | 47.68% | 50.08% | 51.37% | 51.35% | 50.71% | 49.60% | -48 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Des Plaines, IL · Charter 17752 · 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
0.90%
Rank 29 of 96
Net Interest Margin
2.48%
Rank 84 of 96
Efficiency Ratio
64.81%
Rank 14 of 96
Equity / Assets
13.68%
Rank 63 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | -0.02% | 0.42% | 1.03% | Beats 70% | 29 / 96 | ||
| Return on Equity | 6.57% | -0.11% | 2.94% | 6.89% | Beats 73% | 26 / 95 | ||
| Net Interest Margin | 2.48% | 3.01% | 3.57% | 4.27% | Beats 13% | 84 / 96 | ||
| Efficiency Ratio | 64.81% | 73.45% | 82.91% | 96.61% | Beats 86% | 14 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.08% | 0.86% | 1.63% | Beats 74% | 25 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.68% | 11.79% | 15.23% | 18.93% | Beats 34% | 63 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.68% | 11.79% | 15.23% | 18.93% | Beats 34% | 63 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.60% | 32.14% | 50.03% | 67.81% | 47th pctl | 51 / 96 | ||
| Loans / Assets | 42.81% | 23.12% | 42.50% | 56.24% | 51st pctl | 47 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||