Chicago, IL · Charter 24704
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
72
Asset Quality
52
Profitability
13
Liquidity
40
Efficiency
10
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 24704
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 | 0.21% | -0.68% | -0.81% | -2.24% | -2.79% | -300 bps | |
| Return on Equity | 0.99% | -3.20% | -3.90% | -10.90% | -15.05% | -1,604 bps | |
| Net Interest Margin | 3.87% | 3.85% | 4.13% | 5.05% | 3.03% | -83 bps | |
| Efficiency Ratio | 86.58% | 100.84% | 108.52% | 131.97% | 166.72% | +8,014 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.79% | -10.33% | -6.78% | -5.79% | -0.20% | +659 bps | |
| Loan Growth (YoY) | 72.75% | 74.06% | 64.03% | 71.75% | -29.23% | -10,197 bps | |
| Share Growth (YoY) | -6.22% | -11.22% | -7.70% | -4.91% | 2.89% | +911 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 0.53% | 2.04% | 2.25% | 0.82% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.34% | 3.46% | 3.47% | 3.88% | 2.53% | -81 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.98% | 21.41% | 20.83% | 20.52% | 18.54% | -245 bps | |
| Net Worth / Assets | 20.98% | 21.41% | 20.83% | 20.52% | 18.54% | -245 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.08% | 39.79% | 36.18% | 34.78% | 28.26% | -1,282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 24704 · 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
-2.78%
Rank 89 of 96
Net Interest Margin
3.06%
Rank 70 of 96
Efficiency Ratio
165.12%
Rank 87 of 96
Equity / Assets
18.53%
Rank 27 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.78% | -0.02% | 0.42% | 1.03% | Beats 7% | 89 / 96 | |
| Return on Equity | -14.98% | -0.11% | 2.94% | 6.89% | Beats 6% | 89 / 95 | |
| Net Interest Margin | 3.06% | 3.01% | 3.57% | 4.27% | Beats 27% | 70 / 96 | |
| Efficiency Ratio | 165.12% | 73.45% | 82.91% | 96.61% | Beats 10% | 87 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.85% | 0.08% | 0.86% | 1.63% | Beats 52% | 46 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.53% | 11.79% | 15.23% | 18.93% | Beats 72% | 27 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.53% | 11.79% | 15.23% | 18.93% | Beats 72% | 27 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 28.26% | 32.14% | 50.03% | 67.81% | 21st pctl | 76 / 96 | |
| Loans / Assets | 22.61% | 23.12% | 42.50% | 56.24% | 23rd pctl | 74 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||