Rantoul, IL · Charter 24751
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 IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
48
Profitability
91
Liquidity
0
Efficiency
80
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.
Rantoul, IL · Charter 24751
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 | 0.81% | 0.76% | 1.19% | 1.24% | 1.04% | 1.09% | 2.32% | 2.02% | +78 bps | |
| Return on Equity | 4.40% | 4.25% | 6.73% | 6.93% | 5.81% | 5.97% | 12.81% | 11.01% | +408 bps | |
| Net Interest Margin | 4.91% | 4.81% | 5.13% | 5.24% | 5.36% | 5.55% | 5.58% | 5.72% | +47 bps | |
| Efficiency Ratio | 73.73% | 72.81% | 80.15% | 75.35% | 74.59% | 75.57% | 66.72% | 66.38% | -897 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.15% | 1.77% | 2.73% | 3.44% | 6.98% | 3.74% | 4.65% | 5.40% | +196 bps | |
| Loan Growth (YoY) | 7.96% | 7.92% | 11.15% | 9.97% | 5.31% | 4.35% | 1.10% | 1.51% | -847 bps | |
| Share Growth (YoY) | 4.71% | 2.03% | 2.83% | 3.28% | 7.86% | 3.35% | 4.29% | 4.89% | +162 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.16% | 0.30% | 0.32% | 0.30% | 0.40% | 0.20% | 0.51% | +19 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 | 18.35% | 17.93% | 17.70% | 17.94% | 17.92% | 18.23% | 18.12% | 18.35% | +40 bps | |
| Net Worth / Assets | 18.35% | 17.93% | 17.70% | 17.94% | 17.92% | 18.23% | 18.12% | 18.35% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.22% | 97.68% | 96.91% | 96.66% | 95.89% | 98.62% | 93.95% | 93.54% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rantoul, IL · Charter 24751 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
2.02%
Rank 3 of 50
Net Interest Margin
5.72%
Rank 1 of 50
Efficiency Ratio
66.39%
Rank 11 of 50
Equity / Assets
18.34%
Rank 8 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.02% | 0.49% | 0.97% | 1.35% | Beats 94% | 3 / 50 | ||
| Return on Equity | 11.02% | 3.76% | 7.55% | 10.28% | Beats 82% | 9 / 50 | ||
| Net Interest Margin | 5.72% | 3.15% | 3.72% | 4.20% | Beats 98% | 1 / 50 | ||
| Efficiency Ratio | 66.39% | 67.18% | 75.90% | 80.66% | Beats 80% | 11 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.14% | 0.47% | 0.87% | Beats 48% | 27 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.34% | 10.68% | 13.50% | 16.38% | Beats 84% | 8 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.34% | 10.68% | 13.50% | 16.38% | Beats 84% | 8 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.54% | 55.23% | 70.87% | 80.60% | 92nd pctl | 4 / 50 | ||
| Loans / Assets | 74.91% | 43.53% | 60.64% | 68.47% | 84th pctl | 8 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||