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
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 | 0.69% | 0.19% | 1.31% | 1.11% | 0.98% | 0.20% | 0.81% | 1.15% | +4 bps | |
| Return on Equity | 6.24% | 1.70% | 11.60% | 9.72% | 8.87% | 1.82% | 7.55% | 10.64% | +92 bps | |
| Net Interest Margin | 2.00% | 1.93% | 2.75% | 2.48% | 2.33% | 2.11% | 2.17% | 2.46% | -3 bps | |
| Efficiency Ratio | 65.68% | 90.05% | 52.41% | 55.52% | 57.87% | 90.60% | 62.67% | 53.24% | -228 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.94% | -1.36% | -0.90% | 0.73% | 3.54% | 5.15% | 6.18% | 7.69% | +695 bps | |
| Loan Growth (YoY) | -3.08% | -2.25% | 0.52% | 4.74% | 7.41% | 13.08% | -0.70% | -7.35% | -1,209 bps | |
| Share Growth (YoY) | -3.78% | -1.70% | -1.30% | 0.55% | 3.53% | 5.57% | 6.87% | 8.37% | +783 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 0.04% | 0.04% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.62% | 0.59% | 0.59% | 0.56% | 0.55% | 0.60% | 0.64% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.02% | 11.27% | 11.29% | 11.37% | 11.06% | 10.92% | 10.71% | 10.81% | -56 bps | |
| Net Worth / Assets | 11.02% | 11.27% | 11.29% | 11.37% | 11.06% | 10.92% | 10.71% | 10.81% | -56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.15% | 41.72% | 42.60% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||