Schererville, IN · Charter 24078
NCUA · 2 branches
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
29
Asset Quality
57
Profitability
45
Liquidity
75
Efficiency
39
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.
Schererville, IN · Charter 24078
NCUA · 2 branches
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 | -0.37% | -0.24% | -0.41% | 0.53% | 0.29% | 0.31% | 0.38% | 0.38% | -15 bps | |
| Return on Equity | -2.99% | -1.90% | -3.29% | 4.05% | 2.25% | 2.39% | 2.91% | 2.88% | -117 bps | |
| Net Interest Margin | 2.85% | 2.94% | 3.08% | 3.24% | 3.24% | 3.26% | 3.25% | 3.33% | +10 bps | |
| Efficiency Ratio | 103.73% | 102.14% | 99.50% | 83.67% | 86.86% | 87.62% | 93.51% | 88.79% | +512 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.36% | -3.74% | -2.51% | -3.46% | -2.56% | -2.11% | -1.04% | 1.03% | +449 bps | |
| Loan Growth (YoY) | -13.11% | -12.59% | -10.45% | -8.44% | -2.91% | -2.50% | -2.58% | 3.19% | +1,163 bps | |
| Share Growth (YoY) | -4.11% | -4.65% | -4.38% | -5.29% | -4.17% | -4.90% | -2.88% | -1.60% | +369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.79% | 0.69% | 0.79% | 1.30% | 1.12% | 0.50% | 0.76% | -3 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.30% | 12.49% | 12.37% | 12.99% | 12.87% | 13.05% | 12.99% | 13.07% | +9 bps | |
| Net Worth / Assets | 12.30% | 12.49% | 12.37% | 12.99% | 12.87% | 13.05% | 12.99% | 13.07% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.26% | 54.92% | 54.69% | 55.04% | 55.98% | 56.31% | 54.86% | 57.72% | +268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Schererville, IN · Charter 24078 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
Return on Assets
0.38%
Rank 51 of 96
Net Interest Margin
3.33%
Rank 59 of 96
Efficiency Ratio
88.80%
Rank 60 of 96
Equity / Assets
13.07%
Rank 68 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.38% | -0.02% | 0.42% | 1.03% | Beats 47% | 51 / 96 | ||
| Return on Equity | 2.88% | -0.11% | 2.94% | 6.89% | Beats 48% | 49 / 95 | ||
| Net Interest Margin | 3.33% | 3.01% | 3.57% | 4.27% | Beats 39% | 59 / 96 | ||
| Efficiency Ratio | 88.80% | 73.45% | 82.91% | 96.61% | Beats 39% | 60 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.76% | 0.08% | 0.86% | 1.63% | Beats 57% | 41 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.07% | 11.79% | 15.23% | 18.93% | Beats 29% | 68 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.07% | 11.79% | 15.23% | 18.93% | Beats 29% | 68 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.72% | 32.14% | 50.03% | 67.81% | 65th pctl | 34 / 96 | ||
| Loans / Assets | 49.97% | 23.12% | 42.50% | 56.24% | 65th pctl | 34 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||