Bourbonnais, IL · Charter 60304
NCUA · 2 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 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
6
Asset Quality
40
Profitability
37
Liquidity
71
Efficiency
18
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 60304
NCUA · 2 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 | 0.30% | 0.25% | 0.17% | 0.28% | 0.39% | 0.44% | 0.70% | 0.49% | +21 bps | |
| Return on Equity | 3.22% | 2.89% | 1.97% | 3.11% | 4.23% | 4.43% | 7.58% | 5.57% | +246 bps | |
| Net Interest Margin | 2.98% | 2.78% | 3.12% | 3.31% | 3.47% | 3.81% | 3.73% | 3.70% | +39 bps | |
| Efficiency Ratio | 92.61% | 93.01% | 89.08% | 86.99% | 83.15% | 84.12% | 83.93% | 82.38% | -460 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.02% | 7.13% | 5.12% | 5.46% | 7.11% | -7.77% | 1.81% | 7.49% | +203 bps | |
| Loan Growth (YoY) | -2.71% | -2.03% | -6.01% | -4.69% | -4.36% | -3.19% | -4.97% | -7.46% | -277 bps | |
| Share Growth (YoY) | 13.55% | 18.50% | 6.81% | 5.69% | 7.51% | -9.02% | 1.31% | 7.64% | +195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.35% | 0.32% | 0.62% | 0.71% | 0.70% | 0.45% | 0.58% | -4 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% | 8.75% | 8.79% | 8.90% | 9.15% | 9.93% | 9.17% | 8.77% | -13 bps | |
| Net Worth / Assets | 9.44% | 8.75% | 8.79% | 8.90% | 9.15% | 9.93% | 9.17% | 8.77% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.71% | 73.03% | 71.40% | 72.17% | 71.80% | 77.71% | 66.97% | 62.05% | -1,012 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 60304 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
Return on Assets
0.49%
Rank 38 of 50
Net Interest Margin
3.71%
Rank 26 of 50
Efficiency Ratio
82.43%
Rank 42 of 50
Equity / Assets
8.77%
Rank 47 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 24% | 38 / 50 | ||
| Return on Equity | 5.60% | 3.76% | 7.55% | 10.28% | Beats 40% | 30 / 50 | ||
| Net Interest Margin | 3.71% | 3.15% | 3.72% | 4.20% | Beats 48% | 26 / 50 | ||
| Efficiency Ratio | 82.43% | 67.18% | 75.90% | 80.66% | Beats 18% | 42 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.14% | 0.47% | 0.87% | Beats 40% | 31 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.77% | 10.68% | 13.50% | 16.38% | Beats 6% | 47 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.77% | 10.68% | 13.50% | 16.38% | Beats 6% | 47 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.05% | 55.23% | 70.87% | 80.60% | 36th pctl | 32 / 50 | ||
| Loans / Assets | 56.45% | 43.53% | 60.64% | 68.47% | 40th pctl | 30 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||