Freeport, IL · Charter 60189
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 (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
20
Asset Quality
21
Profitability
68
Liquidity
93
Efficiency
71
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.
Freeport, IL · Charter 60189
NCUA · 3 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 | 0.47% | 0.47% | 0.22% | 0.71% | 0.62% | 0.59% | 1.39% | 1.36% | +65 bps | |
| Return on Equity | 4.75% | 4.99% | 2.47% | 7.41% | 6.22% | 6.10% | 14.53% | 13.63% | +622 bps | |
| Net Interest Margin | 2.94% | 2.81% | 2.88% | 3.13% | 3.29% | 3.28% | 3.18% | 3.36% | +23 bps | |
| Efficiency Ratio | 88.73% | 87.79% | 80.76% | 78.30% | 79.49% | 80.67% | 70.07% | 70.73% | -757 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.96% | 14.81% | 13.26% | 10.02% | 6.84% | 3.19% | 3.30% | 4.94% | -508 bps | |
| Loan Growth (YoY) | 2.78% | 2.98% | 4.75% | 3.47% | 4.99% | 5.95% | 5.07% | 7.17% | +370 bps | |
| Share Growth (YoY) | 11.08% | 16.66% | 14.95% | 11.09% | 6.78% | 2.70% | 2.47% | 4.30% | -678 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.51% | 0.29% | 1.82% | 1.40% | 1.76% | 1.28% | 1.50% | -33 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 | 9.99% | 9.47% | 9.05% | 9.57% | 9.89% | 9.71% | 9.56% | 9.97% | +40 bps | |
| Net Worth / Assets | 9.99% | 9.47% | 9.05% | 9.57% | 9.89% | 9.71% | 9.56% | 9.97% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.70% | 64.88% | 62.26% | 65.38% | 68.53% | 66.93% | 63.83% | 67.17% | +180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Freeport, IL · Charter 60189 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.36%
Rank 313 of 1,683
Net Interest Margin
3.36%
Rank 1,230 of 1,683
Efficiency Ratio
70.72%
Rank 489 of 1,682
Equity / Assets
9.97%
Rank 1,352 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.36% | 0.35% | 0.74% | 1.18% | Beats 81% | 313 / 1,683 | ||
| Return on Equity | 13.64% | 2.67% | 5.89% | 8.74% | Beats 95% | 77 / 1,681 | ||
| Net Interest Margin | 3.36% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,230 / 1,683 | ||
| Efficiency Ratio | 70.72% | 68.91% | 78.20% | 86.93% | Beats 71% | 489 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.50% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,322 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.97% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,352 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.97% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,352 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.17% | 52.61% | 69.38% | 83.50% | 46th pctl | 914 / 1,683 | ||
| Loans / Assets | 59.81% | 44.71% | 59.18% | 70.72% | 51st pctl | 819 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||