Chicago, IL · Charter 2876
NCUA · 8 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
5
Asset Quality
55
Profitability
53
Liquidity
73
Efficiency
62
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 2876
NCUA · 8 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 | 0.26% | 0.31% | 0.41% | 0.53% | 0.58% | 0.62% | 0.57% | 0.61% | +8 bps | |
| Return on Equity | 3.11% | 3.55% | 4.84% | 5.96% | 6.53% | 6.93% | 6.54% | 6.89% | +93 bps | |
| Net Interest Margin | 2.50% | 2.64% | 2.85% | 2.98% | 3.03% | 3.09% | 3.01% | 3.04% | +6 bps | |
| Efficiency Ratio | 86.26% | 84.90% | 78.58% | 77.59% | 76.89% | 76.45% | 78.36% | 76.72% | -87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.92% | 0.20% | 1.44% | -0.30% | 0.07% | 2.46% | 3.92% | 6.14% | +644 bps | |
| Loan Growth (YoY) | -6.02% | -11.01% | -10.51% | -10.57% | -8.61% | 0.35% | 1.61% | 5.68% | +1,625 bps | |
| Share Growth (YoY) | 9.49% | 3.05% | 4.32% | 5.31% | 5.70% | 4.64% | 2.19% | 0.71% | -461 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.96% | 0.80% | 0.76% | 0.85% | 0.76% | 0.67% | 0.77% | 0 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 | 8.50% | 8.71% | 8.57% | 8.83% | 8.92% | 9.01% | 8.78% | 8.86% | +4 bps | |
| Net Worth / Assets | 8.50% | 8.71% | 8.57% | 8.83% | 8.92% | 9.01% | 8.78% | 8.86% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.98% | 61.87% | 57.52% | 55.73% | 55.31% | 59.34% | 57.19% | 58.48% | +275 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 2876 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 8 branches
Q2 2026
Return on Assets
0.61%
Rank 41 of 96
Net Interest Margin
3.04%
Rank 71 of 96
Efficiency Ratio
76.72%
Rank 37 of 96
Equity / Assets
8.86%
Rank 91 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.61% | -0.02% | 0.42% | 1.03% | Beats 57% | 41 / 96 | ||
| Return on Equity | 6.89% | -0.11% | 2.94% | 6.89% | Beats 75% | 24 / 95 | ||
| Net Interest Margin | 3.04% | 3.01% | 3.57% | 4.27% | Beats 26% | 71 / 96 | ||
| Efficiency Ratio | 76.72% | 73.45% | 82.91% | 96.61% | Beats 62% | 37 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.77% | 0.08% | 0.86% | 1.63% | Beats 55% | 43 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.86% | 11.79% | 15.23% | 18.93% | Beats 5% | 91 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.86% | 11.79% | 15.23% | 18.93% | Beats 5% | 91 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.48% | 32.14% | 50.03% | 67.81% | 68th pctl | 31 / 96 | ||
| Loans / Assets | 51.11% | 23.12% | 42.50% | 56.24% | 67th pctl | 32 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||