Whiting, IN · Charter 198
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
93
Asset Quality
34
Profitability
36
Liquidity
66
Efficiency
76
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.
Whiting, IN · Charter 198
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 | 0.59% | 0.59% | 0.66% | 0.06% | 0.52% | -8 bps | |
| Return on Equity | 2.27% | 2.25% | 2.47% | 0.25% | 1.95% | -32 bps | |
| Net Interest Margin | 2.13% | 2.12% | 2.22% | 2.20% | 2.54% | +41 bps | |
| Efficiency Ratio | 69.29% | 69.09% | 67.08% | 90.42% | 72.66% | +337 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.64% | 3.69% | 3.29% | 3.16% | 1.14% | -150 bps | |
| Loan Growth (YoY) | 10.40% | 11.38% | 4.13% | 5.76% | 3.56% | -683 bps | |
| Share Growth (YoY) | 2.82% | 4.53% | 3.55% | 3.55% | 0.96% | -186 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 1.16% | 0.10% | 1.34% | 1.34% | +109 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.20% | 26.33% | 26.57% | 25.87% | 26.52% | +32 bps | |
| Net Worth / Assets | 26.20% | 26.33% | 26.57% | 25.87% | 26.52% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.12% | 62.44% | 60.59% | 58.71% | 60.64% | +152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Whiting, IN · Charter 198 · 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
0.52%
Rank 42 of 96
Net Interest Margin
2.54%
Rank 83 of 96
Efficiency Ratio
72.64%
Rank 24 of 96
Equity / Assets
26.52%
Rank 7 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | -0.02% | 0.42% | 1.03% | Beats 56% | 42 / 96 | |
| Return on Equity | 1.95% | -0.11% | 2.94% | 6.89% | Beats 37% | 60 / 95 | |
| Net Interest Margin | 2.54% | 3.01% | 3.57% | 4.27% | Beats 14% | 83 / 96 | |
| Efficiency Ratio | 72.64% | 73.45% | 82.91% | 96.61% | Beats 76% | 24 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.34% | 0.08% | 0.86% | 1.63% | Beats 34% | 62 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.52% | 11.79% | 15.23% | 18.93% | Beats 93% | 7 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.52% | 11.79% | 15.23% | 18.93% | Beats 93% | 7 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.64% | 32.14% | 50.03% | 67.81% | 70th pctl | 29 / 96 | |
| Loans / Assets | 44.50% | 23.12% | 42.50% | 56.24% | 57th pctl | 41 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||