Chicago, IL · Charter 2498
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
64
Asset Quality
6
Profitability
28
Liquidity
70
Efficiency
18
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 2498
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% | 0.16% | 0.04% | -0.58% | -0.43% | -63 bps | |
| Return on Equity | 1.28% | 0.97% | 0.26% | -3.39% | -2.57% | -386 bps | |
| Net Interest Margin | 3.75% | 3.74% | 3.73% | 3.50% | 3.43% | -32 bps | |
| Efficiency Ratio | 94.83% | 96.05% | 98.93% | 112.95% | 110.40% | +1,557 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.75% | -2.87% | -4.05% | -7.46% | -5.92% | -317 bps | |
| Loan Growth (YoY) | -9.06% | -10.29% | -15.32% | -21.96% | -20.74% | -1,168 bps | |
| Share Growth (YoY) | -3.71% | -3.54% | -4.51% | -7.91% | -6.58% | -287 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.45% | 8.44% | 5.50% | 5.80% | 6.53% | +209 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.97% | 16.09% | 16.41% | 16.99% | 16.69% | +72 bps | |
| Net Worth / Assets | 15.97% | 16.09% | 16.41% | 16.99% | 16.69% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.90% | 43.67% | 42.07% | 41.98% | 38.95% | -696 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 2498 · 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
-0.42%
Rank 78 of 96
Net Interest Margin
3.43%
Rank 55 of 96
Efficiency Ratio
110.13%
Rank 80 of 96
Equity / Assets
16.69%
Rank 35 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | -0.02% | 0.42% | 1.03% | Beats 19% | 78 / 96 | |
| Return on Equity | -2.52% | -0.11% | 2.94% | 6.89% | Beats 21% | 75 / 95 | |
| Net Interest Margin | 3.43% | 3.01% | 3.57% | 4.27% | Beats 43% | 55 / 96 | |
| Efficiency Ratio | 110.13% | 73.45% | 82.91% | 96.61% | Beats 18% | 80 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 6.54% | 0.08% | 0.86% | 1.63% | Beats 6% | 88 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.69% | 11.79% | 15.23% | 18.93% | Beats 64% | 35 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.69% | 11.79% | 15.23% | 18.93% | Beats 64% | 35 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.95% | 32.14% | 50.03% | 67.81% | 29th pctl | 68 / 96 | |
| Loans / Assets | 32.34% | 23.12% | 42.50% | 56.24% | 34th pctl | 63 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||