Pontiac, IL · Charter 60299
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
100
Profitability
54
Liquidity
0
Efficiency
94
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.
Pontiac, IL · Charter 60299
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 0.98% | 0.20% | 0.81% | 1.15% | +4 bps | |
| Return on Equity | 9.72% | 8.87% | 1.82% | 7.55% | 10.64% | +92 bps | |
| Net Interest Margin | 2.48% | 2.33% | 2.11% | 2.17% | 2.46% | -3 bps | |
| Efficiency Ratio | 55.52% | 57.87% | 90.60% | 62.67% | 53.24% | -228 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.73% | 3.54% | 5.15% | 6.18% | 7.69% | +695 bps | |
| Loan Growth (YoY) | 4.74% | 7.41% | 13.08% | -0.70% | -7.35% | -1,209 bps | |
| Share Growth (YoY) | 0.55% | 3.53% | 5.57% | 6.87% | 8.37% | +783 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.31% | 0.00% | 0.00% | 0.00% | 0.00% | -231 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.56% | 0.55% | 0.60% | 0.64% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.37% | 11.06% | 10.92% | 10.71% | 10.81% | -56 bps | |
| Net Worth / Assets | 11.37% | 11.06% | 10.92% | 10.71% | 10.81% | -56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.22% | 42.69% | 44.69% | 39.58% | 36.09% | -612 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pontiac, IL · Charter 60299 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.15%
Rank 447 of 1,683
Net Interest Margin
2.45%
Rank 1,622 of 1,683
Efficiency Ratio
53.92%
Rank 102 of 1,682
Equity / Assets
10.81%
Rank 1,191 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 447 / 1,683 | |
| Return on Equity | 10.65% | 2.67% | 5.89% | 8.74% | Beats 86% | 229 / 1,681 | |
| Net Interest Margin | 2.45% | 3.31% | 3.82% | 4.32% | Beats 4% | 1,622 / 1,683 | |
| Efficiency Ratio | 53.92% | 68.91% | 78.20% | 86.93% | Beats 94% | 102 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.81% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,191 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.81% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,191 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 36.10% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,546 / 1,683 | |
| Loans / Assets | 32.20% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,520 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||