Chicago, IL · Charter 24767
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
2
Asset Quality
100
Profitability
35
Liquidity
100
Efficiency
17
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 24767
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 | -22.79% | -11.91% | -14.89% | -4.36% | -2.69% | +2,009 bps | |
| Return on Equity | -303% | -113.59% | -191.85% | -58.02% | -37.48% | +26,594 bps | |
| Net Interest Margin | 5.19% | 5.52% | 6.20% | 6.94% | 6.50% | +131 bps | |
| Efficiency Ratio | 323% | 185.70% | 195.09% | 116.66% | 110.80% | -21,190 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.35% | -12.54% | -14.60% | -25.62% | -22.37% | -1,002 bps | |
| Loan Growth (YoY) | 36.94% | 3.70% | 49.40% | 8.70% | 0.28% | -3,666 bps | |
| Share Growth (YoY) | 6.11% | 0.59% | -2.79% | -22.23% | -22.07% | -2,818 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.91% | 0.64% | 0.82% | 0.89% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.51% | 10.48% | 7.76% | 7.51% | 7.19% | -32 bps | |
| Net Worth / Assets | 7.51% | 10.48% | 7.76% | 7.51% | 7.19% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.79% | 40.17% | 63.07% | 54.93% | 49.92% | +1,113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 24767 · 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
-2.61%
Rank 88 of 96
Net Interest Margin
6.52%
Rank 2 of 96
Efficiency Ratio
110.53%
Rank 81 of 96
Equity / Assets
7.17%
Rank 94 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.61% | -0.02% | 0.42% | 1.03% | Beats 8% | 88 / 96 | |
| Return on Equity | -36.36% | -0.11% | 2.94% | 6.89% | Beats 0% | 95 / 95 | |
| Net Interest Margin | 6.52% | 3.01% | 3.57% | 4.27% | Beats 98% | 2 / 96 | |
| Efficiency Ratio | 110.53% | 73.45% | 82.91% | 96.61% | Beats 17% | 81 / 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 | 7.17% | 11.79% | 15.23% | 18.93% | Beats 2% | 94 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.17% | 11.79% | 15.23% | 18.93% | Beats 2% | 94 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.00% | 32.14% | 50.03% | 67.81% | 49th pctl | 49 / 96 | |
| Loans / Assets | 46.30% | 23.12% | 42.50% | 56.24% | 60th pctl | 38 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||