Chicago, IL · Charter 60041
NCUA · 3 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
4
Asset Quality
48
Profitability
21
Liquidity
86
Efficiency
15
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 60041
NCUA · 3 branches
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 | -0.68% | -1.00% | -1.76% | -0.26% | -0.28% | +40 bps | |
| Return on Equity | -8.67% | -10.07% | -20.02% | -3.11% | -3.41% | +526 bps | |
| Net Interest Margin | 2.26% | 2.98% | 3.01% | 2.96% | 3.01% | +75 bps | |
| Efficiency Ratio | 100.93% | 108.42% | 126.60% | 109.57% | 112.79% | +1,186 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.80% | -27.89% | -27.33% | -23.73% | -22.08% | -1,127 bps | |
| Loan Growth (YoY) | -20.64% | -20.84% | -11.83% | -11.70% | -10.89% | +974 bps | |
| Share Growth (YoY) | -8.32% | -10.97% | -8.60% | -7.47% | -5.50% | +282 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 1.37% | 0.73% | 0.42% | 0.92% | -55 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 | 7.89% | 9.93% | 8.79% | 8.38% | 8.19% | +30 bps | |
| Net Worth / Assets | 7.89% | 9.93% | 8.79% | 8.38% | 8.19% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.69% | 48.32% | 51.35% | 47.83% | 44.97% | -272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 60041 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.28%
Rank 75 of 96
Net Interest Margin
3.01%
Rank 72 of 96
Efficiency Ratio
112.77%
Rank 83 of 96
Equity / Assets
8.19%
Rank 92 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.28% | -0.02% | 0.42% | 1.03% | Beats 22% | 75 / 96 | |
| Return on Equity | -3.41% | -0.11% | 2.94% | 6.89% | Beats 16% | 80 / 95 | |
| Net Interest Margin | 3.01% | 3.01% | 3.57% | 4.27% | Beats 25% | 72 / 96 | |
| Efficiency Ratio | 112.77% | 73.45% | 82.91% | 96.61% | Beats 15% | 83 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.92% | 0.08% | 0.86% | 1.63% | Beats 48% | 49 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.19% | 11.79% | 15.23% | 18.93% | Beats 4% | 92 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.19% | 11.79% | 15.23% | 18.93% | Beats 4% | 92 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.97% | 32.14% | 50.03% | 67.81% | 36th pctl | 61 / 96 | |
| Loans / Assets | 42.50% | 23.12% | 42.50% | 56.24% | 50th pctl | 48 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||