Kankakee, IL · Charter 60198
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
42
Asset Quality
6
Profitability
66
Liquidity
53
Efficiency
92
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.
Kankakee, IL · Charter 60198
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 | 1.62% | 0.20% | 1.63% | 1.93% | 1.58% | 0.53% | 1.09% | 1.44% | -49 bps | |
| Return on Equity | 13.23% | 1.72% | 13.75% | 15.23% | 12.48% | 4.44% | 9.00% | 11.45% | -378 bps | |
| Net Interest Margin | 3.11% | 2.99% | 3.22% | 3.31% | 3.03% | 2.78% | 3.16% | 3.21% | -11 bps | |
| Efficiency Ratio | 49.88% | 62.99% | 51.37% | 44.17% | 50.07% | 68.44% | 66.94% | 57.38% | +1,322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.27% | 9.77% | 4.41% | -0.15% | -2.44% | -1.05% | 1.20% | 3.31% | +346 bps | |
| Loan Growth (YoY) | -2.32% | -3.56% | -3.08% | -6.93% | -5.43% | -9.34% | -3.72% | 2.59% | +952 bps | |
| Share Growth (YoY) | 11.91% | 10.92% | 4.82% | -0.61% | -3.22% | -1.90% | 0.79% | 3.25% | +385 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.60% | 5.87% | 3.76% | 4.86% | 4.12% | 1.28% | 1.91% | 4.04% | -82 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 | 12.22% | 11.38% | 11.88% | 12.65% | 12.66% | 12.04% | 12.13% | 12.56% | -9 bps | |
| Net Worth / Assets | 12.22% | 11.38% | 11.88% | 12.65% | 12.66% | 12.04% | 12.13% | 12.56% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.42% | 84.71% | 82.09% | 81.11% | 81.51% | 78.29% | 78.41% | 80.60% | -51 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kankakee, IL · Charter 60198 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
1.44%
Rank 10 of 50
Net Interest Margin
3.20%
Rank 35 of 50
Efficiency Ratio
57.30%
Rank 5 of 50
Equity / Assets
12.56%
Rank 29 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.49% | 0.97% | 1.35% | Beats 80% | 10 / 50 | ||
| Return on Equity | 11.46% | 3.76% | 7.55% | 10.28% | Beats 88% | 6 / 50 | ||
| Net Interest Margin | 3.20% | 3.15% | 3.72% | 4.20% | Beats 30% | 35 / 50 | ||
| Efficiency Ratio | 57.30% | 67.18% | 75.90% | 80.66% | Beats 92% | 5 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.03% | 0.14% | 0.47% | 0.87% | Beats 6% | 48 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.56% | 10.68% | 13.50% | 16.38% | Beats 42% | 29 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.56% | 10.68% | 13.50% | 16.38% | Beats 42% | 29 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.60% | 55.23% | 70.87% | 80.60% | 74th pctl | 13 / 50 | ||
| Loans / Assets | 70.25% | 43.53% | 60.64% | 68.47% | 80th pctl | 10 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||