Harvard, IL · Charter 60201
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 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
1
Asset Quality
77
Profitability
25
Liquidity
0
Efficiency
81
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.
Harvard, IL · Charter 60201
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 | -3.16% | -0.95% | -8.58% | -3.88% | -2.82% | -2.30% | -6.14% | -1.06% | +282 bps | |
| Return on Equity | -33.47% | -10.28% | -118.95% | -52.25% | -37.16% | -31.34% | -113.16% | -16.34% | +3,590 bps | |
| Net Interest Margin | 4.94% | 4.67% | 4.60% | 4.77% | 4.11% | 4.16% | 3.61% | 3.87% | -90 bps | |
| Efficiency Ratio | 90.39% | 92.72% | 101.14% | 97.59% | 97.73% | 100.60% | 115.45% | 69.96% | -2,763 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.61% | -9.22% | 1.48% | -4.26% | -2.85% | -3.64% | 2.28% | 3.80% | +807 bps | |
| Loan Growth (YoY) | -0.24% | -2.51% | -5.67% | -8.05% | -6.74% | -2.18% | 1.72% | 4.64% | +1,268 bps | |
| Share Growth (YoY) | -11.86% | -8.13% | 4.53% | -2.70% | -1.11% | -2.13% | 3.75% | 4.95% | +765 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.72% | 4.32% | 1.99% | 1.63% | 0.66% | 1.11% | 1.30% | 0.03% | -160 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 | 9.44% | 9.28% | 7.21% | 7.43% | 7.59% | 7.33% | 5.43% | 6.46% | -96 bps | |
| Net Worth / Assets | 9.44% | 9.28% | 7.21% | 7.43% | 7.59% | 7.33% | 5.43% | 6.46% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.00% | 87.05% | 83.79% | 84.49% | 85.81% | 87.01% | 82.15% | 84.24% | -25 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harvard, IL · Charter 60201 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.06%
Rank 83 of 96
Net Interest Margin
3.87%
Rank 40 of 96
Efficiency Ratio
70.02%
Rank 19 of 96
Equity / Assets
6.46%
Rank 95 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.06% | -0.02% | 0.42% | 1.03% | Beats 14% | 83 / 96 | ||
| Return on Equity | -16.40% | -0.11% | 2.94% | 6.89% | Beats 4% | 91 / 95 | ||
| Net Interest Margin | 3.87% | 3.01% | 3.57% | 4.27% | Beats 58% | 40 / 96 | ||
| Efficiency Ratio | 70.02% | 73.45% | 82.91% | 96.61% | Beats 81% | 19 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.08% | 0.86% | 1.63% | Beats 77% | 22 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.46% | 11.79% | 15.23% | 18.93% | Beats 1% | 95 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.46% | 11.79% | 15.23% | 18.93% | Beats 1% | 95 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.24% | 32.14% | 50.03% | 67.81% | 92nd pctl | 8 / 96 | ||
| Loans / Assets | 78.44% | 23.12% | 42.50% | 56.24% | 97th pctl | 3 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||