Peoria, IL · Charter 4025
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
2
Profitability
49
Liquidity
76
Efficiency
24
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.
Peoria, IL · Charter 4025
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 | 0.55% | 0.61% | 0.16% | -0.09% | 0.48% | -7 bps | |
| Return on Equity | 1.85% | 1.95% | 0.54% | -0.31% | 1.56% | -28 bps | |
| Net Interest Margin | 6.03% | 6.34% | 6.24% | 5.86% | 6.00% | -3 bps | |
| Efficiency Ratio | 87.35% | 88.94% | 87.29% | 98.32% | 87.73% | +38 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.99% | -8.88% | -3.19% | 0.49% | -1.97% | +602 bps | |
| Loan Growth (YoY) | -7.51% | -5.26% | -8.52% | -11.85% | -9.82% | -231 bps | |
| Share Growth (YoY) | -11.82% | -13.53% | -4.73% | 0.83% | -2.98% | +884 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.43% | 6.27% | 6.03% | 6.42% | 6.59% | +416 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 1.38% | 1.10% | 1.32% | 1.58% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.07% | 31.41% | 30.53% | 29.51% | 30.80% | +72 bps | |
| Net Worth / Assets | 30.07% | 31.41% | 30.53% | 29.51% | 30.80% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.72% | 74.26% | 67.97% | 60.57% | 62.02% | -471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Peoria, IL · Charter 4025 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.49%
Rank 1,148 of 1,683
Net Interest Margin
6.01%
Rank 41 of 1,683
Efficiency Ratio
87.50%
Rank 1,287 of 1,682
Equity / Assets
30.82%
Rank 48 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,148 / 1,683 | |
| Return on Equity | 1.60% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,379 / 1,681 | |
| Net Interest Margin | 6.01% | 3.31% | 3.82% | 4.32% | Beats 98% | 41 / 1,683 | |
| Efficiency Ratio | 87.50% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,287 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 6.54% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,651 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 30.82% | 10.44% | 12.89% | 16.53% | Beats 97% | 48 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 30.82% | 10.44% | 12.89% | 16.53% | Beats 97% | 48 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.06% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,050 / 1,683 | |
| Loans / Assets | 42.93% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,305 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||