Evergreen Park, IL · Charter 24547
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
78
Asset Quality
100
Profitability
79
Liquidity
99
Efficiency
95
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.
Evergreen Park, IL · Charter 24547
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 | 0.63% | 0.27% | 0.70% | 0.97% | 1.18% | 0.60% | 1.76% | 2.07% | +110 bps | |
| Return on Equity | 3.55% | 1.53% | 3.95% | 5.41% | 6.23% | 3.21% | 9.29% | 10.64% | +523 bps | |
| Net Interest Margin | 2.45% | 2.08% | 2.58% | 2.77% | 2.98% | 2.32% | 3.73% | 3.84% | +106 bps | |
| Efficiency Ratio | 74.62% | 87.08% | 73.76% | 65.77% | 61.35% | 75.46% | 53.42% | 47.35% | -1,842 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.22% | -15.93% | -7.49% | -4.81% | -3.71% | -1.64% | -2.49% | -2.02% | +280 bps | |
| Loan Growth (YoY) | -9.21% | -6.22% | -7.02% | -7.04% | -5.48% | -8.27% | -6.02% | -1.51% | +553 bps | |
| Share Growth (YoY) | -20.03% | -15.79% | -7.25% | -6.21% | -3.89% | -4.46% | -4.05% | -3.88% | +233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.16% | 0.00% | 0.00% | 0.02% | 0.09% | 0.05% | 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.62% | 17.82% | 17.68% | 17.94% | 18.98% | 18.72% | 18.99% | 19.44% | +150 bps | |
| Net Worth / Assets | 17.62% | 17.82% | 17.68% | 17.94% | 18.98% | 18.72% | 18.99% | 19.44% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.36% | 53.53% | 51.82% | 48.47% | 51.50% | 51.39% | 50.75% | 49.67% | +119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Evergreen Park, IL · Charter 24547 · 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
2.08%
Rank 7 of 96
Net Interest Margin
3.83%
Rank 42 of 96
Efficiency Ratio
47.21%
Rank 6 of 96
Equity / Assets
19.44%
Rank 21 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.08% | -0.02% | 0.42% | 1.03% | Beats 93% | 7 / 96 | ||
| Return on Equity | 10.68% | -0.11% | 2.94% | 6.89% | Beats 89% | 10 / 95 | ||
| Net Interest Margin | 3.83% | 3.01% | 3.57% | 4.27% | Beats 56% | 42 / 96 | ||
| Efficiency Ratio | 47.21% | 73.45% | 82.91% | 96.61% | Beats 95% | 6 / 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 | 19.44% | 11.79% | 15.23% | 18.93% | Beats 78% | 21 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.44% | 11.79% | 15.23% | 18.93% | Beats 78% | 21 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.67% | 32.14% | 50.03% | 67.81% | 48th pctl | 50 / 96 | ||
| Loans / Assets | 39.97% | 23.12% | 42.50% | 56.24% | 42nd pctl | 56 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||