Chicago, IL · Charter 23245
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
61
Asset Quality
100
Profitability
54
Liquidity
0
Efficiency
93
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.
Chicago, IL · Charter 23245
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 | 0.67% | 0.59% | 1.48% | 1.45% | 1.47% | 0.91% | 1.08% | 1.15% | -30 bps | |
| Return on Equity | 3.75% | 3.35% | 8.26% | 8.23% | 8.35% | 5.38% | 6.59% | 6.99% | -124 bps | |
| Net Interest Margin | 1.97% | 1.85% | 2.75% | 2.68% | 2.62% | 2.03% | 2.34% | 2.38% | -30 bps | |
| Efficiency Ratio | 66.19% | 68.15% | 46.51% | 46.10% | 44.00% | 55.62% | 54.01% | 51.61% | +551 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | 2.90% | 3.80% | 4.54% | 8.68% | 11.04% | 15.01% | 12.12% | +758 bps | |
| Loan Growth (YoY) | -12.38% | -22.64% | -26.45% | -10.77% | -15.90% | -18.00% | -22.38% | 58.85% | +6,961 bps | |
| Share Growth (YoY) | 0.17% | 2.78% | 3.56% | 4.20% | 8.98% | 12.20% | 17.15% | 13.65% | +946 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.28% | 1.41% | 1.58% | 1.64% | 1.52% | 1.72% | 2.04% | 1.03% | -61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.80% | 17.72% | 17.88% | 17.62% | 17.57% | 16.86% | 16.36% | 16.50% | -112 bps | |
| Net Worth / Assets | 17.80% | 17.72% | 17.88% | 17.62% | 17.57% | 16.86% | 16.36% | 16.50% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 2.85% | 2.55% | 2.25% | 2.08% | 2.20% | 1.86% | 1.49% | 2.91% | +83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | -0.02% | 0.42% | 1.03% | Beats 77% | 22 / 96 | ||
| Return on Equity | 6.97% | -0.11% | 2.94% | 6.89% | Beats 76% | 23 / 95 | ||
| Net Interest Margin | 2.40% | 3.01% | 3.57% | 4.27% | Beats 10% | 86 / 96 | ||
| Efficiency Ratio | 52.00% | 73.45% | 82.91% | 96.61% | Beats 93% | 8 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.86% | 1.63% | Beats 100% | 20 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.51% | 11.79% | 15.23% | 18.93% | Beats 61% | 37 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.51% | 11.79% | 15.23% | 18.93% | Beats 61% | 37 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 2.90% | 32.14% | 50.03% | 67.81% | 4th pctl | 92 / 96 | ||
| Loans / Assets | 2.42% | 23.12% | 42.50% | 56.24% | 4th pctl | 92 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||