Elite Community
Bourbonnais, IL · Charter 60304 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
$26.5MAssets
$15.0MLoans
$24.1MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 48% of credit unions under $1B in assets in IL (rank 26 of 50).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets in IL (rank 47 of 50).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 | 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 |