Chicago, IL · Charter 2505
NCUA · 2 branches
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
90
Asset Quality
19
Profitability
33
Liquidity
74
Efficiency
19
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 2505
NCUA · 2 branches
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 | -0.16% | -0.10% | 0.76% | 0.52% | 0.06% | -0.13% | -1.06% | -1.86% | -238 bps | |
| Return on Equity | -0.64% | -0.41% | 3.10% | 2.03% | 0.24% | -0.52% | -4.00% | -7.19% | -921 bps | |
| Net Interest Margin | 4.53% | 4.42% | 4.34% | 4.43% | 4.45% | 4.54% | 4.48% | 4.52% | +9 bps | |
| Efficiency Ratio | 79.77% | 82.63% | 84.14% | 88.54% | 87.74% | 86.72% | 94.66% | 110.17% | +2,163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.14% | -2.49% | -3.29% | -5.04% | -4.22% | -7.11% | -8.95% | -5.79% | -76 bps | |
| Loan Growth (YoY) | 8.92% | 1.46% | 4.22% | 1.20% | 1.11% | 0.36% | -3.72% | -7.04% | -824 bps | |
| Share Growth (YoY) | -6.30% | -3.10% | -4.60% | -7.23% | -5.73% | -9.17% | -11.14% | -6.19% | +104 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.17% | 1.03% | 1.89% | 2.44% | 2.23% | 0.79% | 2.92% | +104 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 | 24.62% | 24.22% | 24.61% | 25.62% | 25.75% | 25.94% | 26.42% | 25.85% | +23 bps | |
| Net Worth / Assets | 24.62% | 24.22% | 24.61% | 25.62% | 25.75% | 25.94% | 26.42% | 25.85% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.50% | 40.61% | 39.93% | 40.79% | 39.15% | 44.87% | 43.27% | 40.42% | -37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 2505 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
Return on Assets
-1.86%
Rank 87 of 96
Net Interest Margin
4.53%
Rank 19 of 96
Efficiency Ratio
110.04%
Rank 79 of 96
Equity / Assets
25.85%
Rank 10 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.86% | -0.02% | 0.42% | 1.03% | Beats 9% | 87 / 96 | ||
| Return on Equity | -7.20% | -0.11% | 2.94% | 6.89% | Beats 11% | 85 / 95 | ||
| Net Interest Margin | 4.53% | 3.01% | 3.57% | 4.27% | Beats 80% | 19 / 96 | ||
| Efficiency Ratio | 110.04% | 73.45% | 82.91% | 96.61% | Beats 19% | 79 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.92% | 0.08% | 0.86% | 1.63% | Beats 19% | 76 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.85% | 11.79% | 15.23% | 18.93% | Beats 90% | 10 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.85% | 11.79% | 15.23% | 18.93% | Beats 90% | 10 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.43% | 32.14% | 50.03% | 67.81% | 32nd pctl | 65 / 96 | ||
| Loans / Assets | 29.76% | 23.12% | 42.50% | 56.24% | 32nd pctl | 65 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||