Waukegan, IL · Charter 24614
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
73
Asset Quality
13
Profitability
43
Liquidity
0
Efficiency
85
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.
Waukegan, IL · Charter 24614
NCUA · 2 branches
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 | 0.45% | 0.40% | 2.58% | 0.98% | 0.45% | 0 bps | |
| Return on Equity | 2.42% | 2.08% | 15.01% | 5.75% | 2.42% | 0 bps | |
| Net Interest Margin | 1.93% | 1.79% | 2.08% | 2.06% | 1.93% | 0 bps | |
| Efficiency Ratio | 77.24% | 78.30% | 46.51% | 61.69% | 77.24% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.72% | -8.23% | 22.38% | 27.84% | 0.00% | +672 bps | |
| Loan Growth (YoY) | 3.08% | -7.33% | -13.20% | -30.62% | 0.00% | -308 bps | |
| Share Growth (YoY) | -9.06% | -11.01% | 19.89% | 33.70% | 0.00% | +906 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.45% | 4.55% | 0.00% | 0.00% | 4.45% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 61.49% | 68.88% | 76.77% | 82.57% | 61.49% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.63% | 19.01% | 17.16% | 17.00% | 18.63% | 0 bps | |
| Net Worth / Assets | 18.63% | 19.01% | 17.16% | 17.00% | 18.63% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 11.35% | 10.36% | 6.09% | 5.87% | 11.35% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waukegan, IL · Charter 24614 · 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
0.74%
Rank 35 of 96
Net Interest Margin
2.23%
Rank 87 of 96
Efficiency Ratio
66.67%
Rank 16 of 96
Equity / Assets
18.59%
Rank 26 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | -0.02% | 0.42% | 1.03% | Beats 64% | 35 / 96 | |
| Return on Equity | 4.00% | -0.11% | 2.94% | 6.89% | Beats 57% | 41 / 95 | |
| Net Interest Margin | 2.23% | 3.01% | 3.57% | 4.27% | Beats 9% | 87 / 96 | |
| Efficiency Ratio | 66.67% | 73.45% | 82.91% | 96.61% | Beats 85% | 16 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.00% | 0.08% | 0.86% | 1.63% | Beats 13% | 82 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.59% | 11.79% | 15.23% | 18.93% | Beats 73% | 26 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.59% | 11.79% | 15.23% | 18.93% | Beats 73% | 26 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 11.47% | 32.14% | 50.03% | 67.81% | 7th pctl | 89 / 96 | |
| Loans / Assets | 9.29% | 23.12% | 42.50% | 56.24% | 7th pctl | 89 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||