Geneva, IL · Charter 24039
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
3
Asset Quality
100
Profitability
56
Liquidity
41
Efficiency
26
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.
Geneva, IL · Charter 24039
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 | 0.06% | 0.10% | 0.04% | 0.25% | 0.20% | +14 bps | |
| Return on Equity | 0.77% | 1.39% | 0.51% | 3.43% | 2.73% | +195 bps | |
| Net Interest Margin | 5.29% | 4.84% | 5.30% | 4.69% | 4.67% | -62 bps | |
| Efficiency Ratio | 90.55% | 87.20% | 90.64% | 95.36% | 95.83% | +528 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.95% | 22.30% | 10.29% | 7.62% | 7.92% | +97 bps | |
| Loan Growth (YoY) | 3.35% | 11.44% | 10.06% | 1.66% | 0.46% | -289 bps | |
| Share Growth (YoY) | 7.98% | 24.55% | 11.55% | 8.26% | 8.20% | +22 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.37% | 0.28% | 0.23% | 0.00% | 0.00% | -237 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.45% | 0.49% | 0.50% | 0.52% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.84% | 7.01% | 7.65% | 7.42% | 7.37% | -47 bps | |
| Net Worth / Assets | 7.84% | 7.01% | 7.65% | 7.42% | 7.37% | -47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.68% | 68.36% | 74.87% | 70.36% | 68.41% | -527 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Geneva, IL · Charter 24039 · 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
0.23%
Rank 65 of 96
Net Interest Margin
4.70%
Rank 14 of 96
Efficiency Ratio
95.77%
Rank 72 of 96
Equity / Assets
7.38%
Rank 93 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | -0.02% | 0.42% | 1.03% | Beats 32% | 65 / 96 | |
| Return on Equity | 3.08% | -0.11% | 2.94% | 6.89% | Beats 51% | 47 / 95 | |
| Net Interest Margin | 4.70% | 3.01% | 3.57% | 4.27% | Beats 85% | 14 / 96 | |
| Efficiency Ratio | 95.77% | 73.45% | 82.91% | 96.61% | Beats 26% | 72 / 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 | 7.38% | 11.79% | 15.23% | 18.93% | Beats 3% | 93 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.38% | 11.79% | 15.23% | 18.93% | Beats 3% | 93 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.38% | 32.14% | 50.03% | 67.81% | 78th pctl | 21 / 96 | |
| Loans / Assets | 63.12% | 23.12% | 42.50% | 56.24% | 81st pctl | 18 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||