Bannockburn, IL · Charter 60238
NCUA · 22 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
17
Profitability
26
Liquidity
89
Efficiency
9
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.
Bannockburn, IL · Charter 60238
NCUA · 22 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 | 0.17% | -0.21% | 0.32% | 0.51% | 0.50% | 0.40% | 0.27% | 0.38% | -13 bps | |
| Return on Equity | 1.87% | -2.53% | 3.93% | 5.86% | 5.44% | 4.46% | 3.05% | 4.20% | -165 bps | |
| Net Interest Margin | 2.51% | 2.51% | 2.69% | 2.87% | 3.53% | 3.47% | 3.11% | 3.31% | +45 bps | |
| Efficiency Ratio | 93.74% | 100.12% | 86.58% | 83.49% | 83.14% | 82.63% | 85.70% | 83.90% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.85% | 12.82% | 6.68% | -8.66% | -3.49% | -5.34% | -6.14% | -1.98% | +668 bps | |
| Loan Growth (YoY) | 9.02% | 10.41% | 9.25% | -6.82% | -6.07% | -7.00% | -6.67% | -3.04% | +378 bps | |
| Share Growth (YoY) | 14.75% | 21.42% | 22.48% | 5.23% | 2.66% | -2.39% | -3.85% | -2.08% | -730 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 1.09% | 0.92% | 1.17% | 1.15% | 1.46% | 0.82% | 1.26% | +9 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 | 9.08% | 8.38% | 8.18% | 8.78% | 9.13% | 9.04% | 8.89% | 9.07% | +29 bps | |
| Net Worth / Assets | 9.08% | 8.38% | 8.18% | 8.78% | 9.13% | 9.04% | 8.89% | 9.07% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.07% | 95.98% | 89.86% | 90.83% | 91.56% | 91.44% | 87.22% | 89.93% | -90 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bannockburn, IL · Charter 60238 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
Return on Assets
0.38%
Rank 371 of 435
Net Interest Margin
3.31%
Rank 239 of 435
Efficiency Ratio
83.90%
Rank 399 of 435
Equity / Assets
9.07%
Rank 385 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.38% | 0.55% | 0.81% | 1.14% | Beats 15% | 371 / 435 | ||
| Return on Equity | 4.20% | 5.12% | 7.41% | 9.70% | Beats 18% | 355 / 435 | ||
| Net Interest Margin | 3.31% | 3.01% | 3.39% | 3.75% | Beats 45% | 239 / 435 | ||
| Efficiency Ratio | 83.90% | 65.25% | 71.39% | 77.86% | Beats 9% | 399 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.26% | 0.45% | 0.69% | 1.05% | Beats 17% | 361 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.07% | 9.81% | 10.84% | 12.63% | Beats 11% | 385 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.07% | 9.81% | 10.84% | 12.63% | Beats 11% | 385 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.93% | 78.33% | 88.38% | 95.61% | 56th pctl | 193 / 435 | ||
| Loans / Assets | 75.82% | 67.69% | 74.58% | 80.80% | 55th pctl | 197 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||