Peoria, IL · Charter 60190
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 in IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
100
Profitability
45
Liquidity
0
Efficiency
90
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 60190
NCUA · 1 branch
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 | 1.21% | 0.85% | 0.89% | 1.24% | 0.20% | 1.39% | 1.44% | 1.35% | +10 bps | |
| Return on Equity | 4.33% | 3.40% | 3.34% | 4.66% | 0.73% | 4.78% | 5.12% | 4.76% | +11 bps | |
| Net Interest Margin | 3.10% | 2.66% | 2.82% | 2.99% | 2.99% | 3.29% | 3.34% | 3.17% | +18 bps | |
| Efficiency Ratio | 62.59% | 68.64% | 68.91% | 59.14% | 61.57% | 58.31% | 57.03% | 57.67% | -148 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.66% | 0.00% | -0.56% | 4.60% | 7.14% | -1.35% | -1.15% | -1.81% | -641 bps | |
| Loan Growth (YoY) | -11.54% | 0.00% | -11.83% | -12.08% | -4.66% | -14.37% | 4.91% | 11.74% | +2,382 bps | |
| Share Growth (YoY) | -9.01% | 5.56% | 3.16% | 4.51% | 8.62% | -4.80% | -3.19% | -3.95% | -846 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 0.59% | 0.54% | 0.64% | 0.67% | 0.66% | 0.68% | 0.65% | 0.63% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.90% | 25.15% | 26.53% | 26.63% | 26.90% | 28.97% | 28.04% | 28.23% | +160 bps | |
| Net Worth / Assets | 27.90% | 25.15% | 26.53% | 26.63% | 26.90% | 28.97% | 28.04% | 28.23% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.94% | 112.04% | 98.87% | 94.70% | 100.01% | 100.77% | 107.14% | 110.17% | +1,547 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Peoria, IL · Charter 60190 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
1.35%
Rank 13 of 50
Net Interest Margin
3.18%
Rank 37 of 50
Efficiency Ratio
57.53%
Rank 6 of 50
Equity / Assets
28.23%
Rank 3 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.35% | 0.49% | 0.97% | 1.35% | Beats 74% | 13 / 50 | ||
| Return on Equity | 4.79% | 3.76% | 7.55% | 10.28% | Beats 34% | 33 / 50 | ||
| Net Interest Margin | 3.18% | 3.15% | 3.72% | 4.20% | Beats 26% | 37 / 50 | ||
| Efficiency Ratio | 57.53% | 67.18% | 75.90% | 80.66% | Beats 90% | 6 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.47% | 0.87% | Beats 100% | 7 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 28.23% | 10.68% | 13.50% | 16.38% | Beats 94% | 3 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 28.23% | 10.68% | 13.50% | 16.38% | Beats 94% | 3 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 110.18% | 55.23% | 70.87% | 80.60% | 96th pctl | 2 / 50 | ||
| Loans / Assets | 79.07% | 43.53% | 60.64% | 68.47% | 90th pctl | 5 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||