Dekalb, IL · Charter 19708
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
46
Asset Quality
44
Profitability
92
Liquidity
0
Efficiency
82
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.
Dekalb, IL · Charter 19708
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 | 2.26% | 2.25% | 2.17% | 1.78% | 1.61% | 1.51% | 1.48% | 1.79% | +2 bps | |
| Return on Equity | 18.74% | 17.72% | 16.69% | 13.72% | 12.42% | 11.33% | 10.69% | 12.24% | -147 bps | |
| Net Interest Margin | 5.46% | 5.57% | 5.68% | 5.60% | 5.53% | 5.57% | 5.70% | 5.84% | +24 bps | |
| Efficiency Ratio | 62.21% | 62.62% | 61.17% | 63.85% | 64.28% | 65.80% | 73.26% | 69.39% | +555 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.80% | -6.44% | -2.64% | 2.47% | 6.97% | 7.16% | 4.48% | -1.05% | -352 bps | |
| Loan Growth (YoY) | 5.58% | 6.35% | 8.56% | 9.39% | 16.36% | 11.83% | 10.02% | 4.08% | -531 bps | |
| Share Growth (YoY) | -13.60% | -8.38% | -5.52% | -5.93% | -2.45% | 2.18% | 2.56% | 4.01% | +994 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 1.05% | 0.94% | 1.08% | 0.78% | 1.33% | 0.29% | 1.01% | -8 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 | 12.05% | 12.68% | 13.03% | 12.95% | 12.98% | 13.35% | 13.86% | 14.65% | +169 bps | |
| Net Worth / Assets | 12.05% | 12.68% | 13.03% | 12.95% | 12.98% | 13.35% | 13.86% | 14.65% | +169 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.81% | 98.88% | 99.58% | 108.97% | 115.47% | 108.22% | 106.82% | 109.05% | +7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dekalb, IL · Charter 19708 · 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
1.79%
Rank 11 of 96
Net Interest Margin
5.83%
Rank 5 of 96
Efficiency Ratio
69.38%
Rank 18 of 96
Equity / Assets
14.65%
Rank 52 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.79% | -0.02% | 0.42% | 1.03% | Beats 89% | 11 / 96 | ||
| Return on Equity | 12.22% | -0.11% | 2.94% | 6.89% | Beats 93% | 7 / 95 | ||
| Net Interest Margin | 5.83% | 3.01% | 3.57% | 4.27% | Beats 95% | 5 / 96 | ||
| Efficiency Ratio | 69.38% | 73.45% | 82.91% | 96.61% | Beats 82% | 18 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.01% | 0.08% | 0.86% | 1.63% | Beats 44% | 53 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.65% | 11.79% | 15.23% | 18.93% | Beats 46% | 52 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.65% | 11.79% | 15.23% | 18.93% | Beats 46% | 52 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.05% | 32.14% | 50.03% | 67.81% | 99th pctl | 1 / 96 | ||
| Loans / Assets | 91.59% | 23.12% | 42.50% | 56.24% | 99th pctl | 1 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||