PackageTrendsPeer
Letter portraitLegal landscape

Trinity U.C.C.

Chicago, IL · Charter 23245

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

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.

Peer group

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.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Trinity U.C.C.

Chicago, IL · Charter 23245

NCUA · 1 branch

Q2 2026

$4.2MAssets
$101KLoans
$3.5MShares
$689KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.15%, down 30 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.50%, down 112 bps from a year ago.
  • Funding: loans stand at 2.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%-30 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-30 bps YoY

Efficiency Ratio (YTD, annualized)

51.61%+551 bps YoY

Net Worth / Assets

16.50%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.47%0.91%1.08%1.15%-30 bps
Return on Equity8.23%8.35%5.38%6.59%6.99%-124 bps
Net Interest Margin2.68%2.62%2.03%2.34%2.38%-30 bps
Efficiency Ratio46.10%44.00%55.62%54.01%51.61%+551 bps
Growth
Asset Growth (YoY)4.54%8.68%11.04%15.01%12.12%+758 bps
Loan Growth (YoY)-10.77%-15.90%-18.00%-22.38%58.85%+6,961 bps
Share Growth (YoY)4.20%8.98%12.20%17.15%13.65%+946 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.64%1.52%1.72%2.04%1.03%-61 bps
Capital
Risk-Based Capital17.62%17.57%16.86%16.36%16.50%-112 bps
Net Worth / Assets17.62%17.57%16.86%16.36%16.50%-112 bps
Liquidity & Funding
Loans / Shares2.08%2.20%1.86%1.49%2.91%+83 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Trinity U.C.C.

Chicago, IL · Charter 23245 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)

NCUA · 1 branch

Q2 2026

$4.2MAssets
$101KLoans
$3.5MShares
$689KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 20 of 93).
  • Widest gap: net interest margin trails 90% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 86 of 96).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.15%

Rank 22 of 96

Net Interest Margin

2.40%

Rank 86 of 96

Efficiency Ratio

52.00%

Rank 8 of 96

Equity / Assets

16.51%

Rank 37 of 96

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%-0.02%0.42%1.03%Beats 77%22 / 96
Return on Equity6.97%-0.11%2.94%6.89%Beats 76%23 / 95
Net Interest Margin2.40%3.01%3.57%4.27%Beats 10%86 / 96
Efficiency Ratio52.00%73.45%82.91%96.61%Beats 93%8 / 96
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.86%1.63%Beats 100%20 / 93
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.51%11.79%15.23%18.93%Beats 61%37 / 96
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.51%11.79%15.23%18.93%Beats 61%37 / 96
Liquidity & Funding
Loans / Deposits2.90%32.14%50.03%67.81%4th pctl92 / 96
Loans / Assets2.42%23.12%42.50%56.24%4th pctl92 / 96
Brokered Deposits / Depositsn/aNot reported for this institution