Bourbonnais, IL · Charter 60212
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
46
Asset Quality
100
Profitability
25
Liquidity
92
Efficiency
44
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.
Bourbonnais, IL · Charter 60212
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 | -0.36% | -0.28% | -0.48% | -0.46% | -0.32% | -0.18% | -0.66% | 0.49% | +95 bps | |
| Return on Equity | -3.16% | -2.36% | -4.10% | -3.96% | -2.73% | -1.49% | -5.30% | 3.81% | +776 bps | |
| Net Interest Margin | 2.13% | 2.24% | 2.51% | 2.66% | 2.76% | 2.94% | 2.37% | 3.13% | +48 bps | |
| Efficiency Ratio | 113.78% | 110.10% | 98.14% | 93.25% | 90.52% | 88.27% | 105.74% | 77.94% | -1,531 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.60% | -2.08% | -1.32% | -6.24% | -3.21% | -6.14% | -7.65% | -6.87% | -62 bps | |
| Loan Growth (YoY) | -3.36% | -7.26% | -5.66% | -7.34% | -4.42% | -8.32% | -3.43% | 7.50% | +1,484 bps | |
| Share Growth (YoY) | -1.12% | -1.96% | -1.24% | -6.80% | -3.47% | -6.83% | -8.63% | -8.06% | -125 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.69% | 1.49% | 1.97% | 0.99% | 0.58% | 0.66% | 0.00% | -197 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 | 11.41% | 11.66% | 11.67% | 11.62% | 11.55% | 12.24% | 12.41% | 12.78% | +116 bps | |
| Net Worth / Assets | 11.41% | 11.66% | 11.67% | 11.62% | 11.55% | 12.24% | 12.41% | 12.78% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.88% | 63.74% | 64.08% | 61.89% | 62.26% | 62.72% | 67.72% | 72.37% | +1,048 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bourbonnais, IL · Charter 60212 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
0.49%
Rank 37 of 50
Net Interest Margin
3.14%
Rank 39 of 50
Efficiency Ratio
77.83%
Rank 29 of 50
Equity / Assets
12.78%
Rank 27 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | 0.49% | 0.97% | 1.35% | Beats 26% | 37 / 50 | ||
| Return on Equity | 3.86% | 3.76% | 7.55% | 10.28% | Beats 26% | 37 / 50 | ||
| Net Interest Margin | 3.14% | 3.15% | 3.72% | 4.20% | Beats 22% | 39 / 50 | ||
| Efficiency Ratio | 77.83% | 67.18% | 75.90% | 80.66% | Beats 44% | 29 / 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 | 12.78% | 10.68% | 13.50% | 16.38% | Beats 46% | 27 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.78% | 10.68% | 13.50% | 16.38% | Beats 46% | 27 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.37% | 55.23% | 70.87% | 80.60% | 52nd pctl | 24 / 50 | ||
| Loans / Assets | 62.97% | 43.53% | 60.64% | 68.47% | 58th pctl | 21 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||