Bartonville, IL · Charter 60346
NCUA · 2 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=51). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
71
Profitability
52
Liquidity
57
Efficiency
37
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.
Bartonville, IL · Charter 60346
NCUA · 2 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.92% | 0.77% | 0.46% | 0.59% | 0.75% | 0.73% | 0.97% | +50 bps | |
| Return on Equity | 8.27% | 7.95% | 6.42% | 3.95% | 4.89% | 6.08% | 5.89% | 7.90% | +395 bps | |
| Net Interest Margin | 3.38% | 3.54% | 3.66% | 3.49% | 3.67% | 3.77% | 3.78% | 3.77% | +29 bps | |
| Efficiency Ratio | 79.47% | 79.87% | 83.48% | 89.28% | 86.65% | 83.48% | 84.18% | 80.94% | -834 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.34% | -0.64% | -3.42% | -3.80% | -3.02% | -1.92% | 2.38% | 2.45% | +625 bps | |
| Loan Growth (YoY) | -1.17% | 5.03% | -1.08% | -1.32% | 1.51% | 4.92% | 10.69% | 7.43% | +875 bps | |
| Share Growth (YoY) | -4.97% | -3.57% | -5.37% | -5.22% | -3.25% | -2.79% | 2.07% | 1.57% | +680 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.26% | 0.18% | 0.50% | 0.49% | 0.39% | 0.36% | 0.19% | -31 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 | 11.16% | 11.56% | 11.99% | 11.70% | 12.07% | 12.40% | 12.42% | 12.24% | +54 bps | |
| Net Worth / Assets | 11.16% | 11.56% | 11.99% | 11.70% | 12.07% | 12.40% | 12.42% | 12.24% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.68% | 58.67% | 56.34% | 53.51% | 55.27% | 63.33% | 61.10% | 56.59% | +308 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bartonville, IL · Charter 60346 · Peer group: credit unions under $1B in assets in IL (n=51)
NCUA · 2 branches
Q1 2026
Return on Assets
0.96%
Rank 26 of 51
Net Interest Margin
3.78%
Rank 25 of 51
Efficiency Ratio
80.89%
Rank 33 of 51
Equity / Assets
12.24%
Rank 29 of 51
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.35% | 0.96% | 1.17% | Beats 49% | 26 / 51 | ||
| Return on Equity | 7.88% | 2.44% | 6.73% | 9.25% | Beats 57% | 22 / 51 | ||
| Net Interest Margin | 3.78% | 3.12% | 3.73% | 4.14% | Beats 51% | 25 / 51 | ||
| Efficiency Ratio | 80.89% | 66.18% | 77.22% | 83.96% | Beats 37% | 33 / 51 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.19% | 0.09% | 0.46% | 1.13% | Beats 71% | 16 / 51 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.24% | 10.96% | 12.67% | 15.75% | Beats 43% | 29 / 51 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.24% | 10.96% | 12.68% | 15.75% | Beats 43% | 29 / 51 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.59% | 53.63% | 69.66% | 78.06% | 29th pctl | 36 / 51 | ||
| Loans / Assets | 49.68% | 44.57% | 58.97% | 66.89% | 31st pctl | 35 / 51 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||