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For Members Only

Chicago, IL · Charter 24946

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=95 to 96). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

47

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

27

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

For Members Only

Chicago, IL · Charter 24946

NCUA · 1 branch

Q2 2026

$6.3MAssets
$0KLoans
$5.4MShares
$937KNet Worth

Executive Summary

  • Earnings: ROA of 0.47%, down 129 bps year over year; NIM at 2.40%.
  • Capital: net worth / assets of 14.84%, up 35 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.47%-129 bps YoY

Net Interest Margin (YTD, annualized)

2.40%-56 bps YoY

Efficiency Ratio (YTD, annualized)

95.00%+1,357 bps YoY

Net Worth / Assets

14.84%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets4.22%3.65%3.46%1.75%1.98%3.23%5.17%0.47%-129 bps
Return on Equity29.48%24.49%23.13%12.11%13.64%20.67%32.23%3.14%-897 bps
Net Interest Margin3.25%3.28%2.96%2.96%2.94%2.81%2.40%2.40%-56 bps
Efficiency Ratio53.69%58.42%70.05%81.44%78.64%72.89%66.73%95.00%+1,357 bps
Growth
Asset Growth (YoY)362%26.37%23.99%22.77%13.35%20.02%20.53%17.48%-529 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Share Growth (YoY)831%25.72%26.89%25.39%12.91%19.13%19.20%16.94%-845 bps
Asset Quality
Delinquent Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Capital
Risk-Based Capital14.32%14.88%14.96%14.49%14.52%15.63%16.03%14.84%+35 bps
Net Worth / Assets14.32%14.88%14.96%14.49%14.52%15.63%16.03%14.84%+35 bps
Liquidity & Funding
Loans / Shares0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

For Members Only

Chicago, IL · Charter 24946 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=95-96)

NCUA · 1 branch

Q2 2026

$6.3MAssets
$0KLoans
$5.4MShares
$937KNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 54% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 44 of 96).
  • Widest gap: net interest margin trails 89% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 85 of 96).
  • Overall: at or above the peer median on 2 of 6 directional measures.

Return on Assets

0.47%

Rank 44 of 96

Net Interest Margin

2.41%

Rank 85 of 96

Efficiency Ratio

95.24%

Rank 71 of 96

Equity / Assets

14.84%

Rank 51 of 96

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.47%-0.02%0.42%1.03%Beats 54%44 / 96
Return on Equity3.20%-0.11%2.94%6.89%Beats 53%45 / 95
Net Interest Margin2.41%3.01%3.57%4.27%Beats 11%85 / 96
Efficiency Ratio95.24%73.45%82.91%96.61%Beats 27%71 / 96
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.84%11.79%15.23%18.93%Beats 47%51 / 96
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.84%11.79%15.23%18.93%Beats 47%51 / 96
Liquidity & Funding
Loans / Deposits0.00%32.14%50.03%67.81%0th pctl94 / 96
Loans / Assets0.00%23.12%42.50%56.24%0th pctl94 / 96
Brokered Deposits / Depositsn/aNot reported for this institution