Lisle, IL · Charter 23109
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
69
Asset Quality
67
Profitability
59
Liquidity
8
Efficiency
65
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.
Lisle, IL · Charter 23109
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 | 0.80% | 0.73% | 0.45% | 0.92% | 0.98% | 1.09% | 0.75% | 0.87% | -5 bps | |
| Return on Equity | 5.19% | 4.63% | 2.85% | 5.41% | 5.71% | 5.97% | 4.20% | 4.72% | -69 bps | |
| Net Interest Margin | 3.27% | 3.35% | 3.48% | 3.68% | 3.64% | 3.80% | 3.33% | 3.53% | -16 bps | |
| Efficiency Ratio | 77.26% | 81.22% | 87.76% | 77.86% | 75.56% | 73.44% | 78.39% | 76.44% | -142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.55% | 4.19% | 0.58% | -6.40% | -4.78% | -8.06% | -5.90% | -1.78% | +462 bps | |
| Loan Growth (YoY) | -9.74% | -5.83% | -2.90% | 3.04% | -1.83% | -8.83% | -13.55% | -14.31% | -1,736 bps | |
| Share Growth (YoY) | -1.60% | 4.10% | -0.17% | -8.49% | -6.64% | -10.81% | -8.28% | -3.38% | +511 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.22% | 0.69% | 0.18% | 0.27% | 0.61% | 0.47% | -22 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 | 0.40% | 0.32% | 0.32% | 0.28% | 0.30% | 0.35% | 0.29% | 0.23% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.45% | 15.83% | 15.83% | 17.02% | 17.09% | 18.31% | 17.95% | 18.36% | +134 bps | |
| Net Worth / Assets | 15.45% | 15.83% | 15.83% | 17.02% | 17.09% | 18.31% | 17.95% | 18.36% | +134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.74% | 83.48% | 83.06% | 88.93% | 85.95% | 85.34% | 78.28% | 78.88% | -1,006 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lisle, IL · Charter 23109 · 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
0.86%
Rank 30 of 96
Net Interest Margin
3.52%
Rank 51 of 96
Efficiency Ratio
76.67%
Rank 35 of 96
Equity / Assets
18.36%
Rank 30 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | -0.02% | 0.42% | 1.03% | Beats 69% | 30 / 96 | ||
| Return on Equity | 4.67% | -0.11% | 2.94% | 6.89% | Beats 61% | 37 / 95 | ||
| Net Interest Margin | 3.52% | 3.01% | 3.57% | 4.27% | Beats 47% | 51 / 96 | ||
| Efficiency Ratio | 76.67% | 73.45% | 82.91% | 96.61% | Beats 65% | 35 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.08% | 0.86% | 1.63% | Beats 67% | 32 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.36% | 11.79% | 15.23% | 18.93% | Beats 69% | 30 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.36% | 11.79% | 15.23% | 18.93% | Beats 69% | 30 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.88% | 32.14% | 50.03% | 67.81% | 86th pctl | 13 / 96 | ||
| Loans / Assets | 64.33% | 23.12% | 42.50% | 56.24% | 82nd pctl | 17 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||