Rockford, IL · Charter 60429
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
74
Asset Quality
80
Profitability
51
Liquidity
40
Efficiency
28
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.
Rockford, IL · Charter 60429
NCUA · 2 branches
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 | 0.68% | 0.76% | 0.70% | 0.85% | 0.92% | +24 bps | |
| Return on Equity | 4.47% | 4.82% | 4.44% | 5.45% | 5.60% | +113 bps | |
| Net Interest Margin | 3.54% | 3.72% | 3.77% | 3.86% | 4.06% | +51 bps | |
| Efficiency Ratio | 83.44% | 82.33% | 83.48% | 79.89% | 80.18% | -326 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.01% | 1.18% | 0.46% | 0.59% | -2.75% | -476 bps | |
| Loan Growth (YoY) | -6.38% | -6.03% | -6.71% | -6.81% | -5.84% | +54 bps | |
| Share Growth (YoY) | 2.23% | 1.49% | -0.91% | -0.72% | -4.15% | -638 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.39% | 0.19% | 0.28% | 0.10% | -12 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.13% | 15.69% | 15.78% | 15.66% | 16.38% | +125 bps | |
| Net Worth / Assets | 15.13% | 15.69% | 15.78% | 15.66% | 16.38% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.63% | 52.93% | 53.65% | 50.71% | 52.68% | -95 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rockford, IL · Charter 60429 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
Return on Assets
0.92%
Rank 27 of 50
Net Interest Margin
4.06%
Rank 18 of 50
Efficiency Ratio
80.33%
Rank 37 of 50
Equity / Assets
16.38%
Rank 13 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.49% | 0.97% | 1.35% | Beats 46% | 27 / 50 | |
| Return on Equity | 5.61% | 3.76% | 7.55% | 10.28% | Beats 44% | 28 / 50 | |
| Net Interest Margin | 4.06% | 3.15% | 3.72% | 4.20% | Beats 64% | 18 / 50 | |
| Efficiency Ratio | 80.33% | 67.18% | 75.90% | 80.66% | Beats 28% | 37 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.14% | 0.47% | 0.87% | Beats 80% | 11 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.38% | 10.68% | 13.50% | 16.38% | Beats 74% | 13 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.38% | 10.68% | 13.50% | 16.38% | Beats 74% | 13 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.68% | 55.23% | 70.87% | 80.60% | 22nd pctl | 39 / 50 | |
| Loans / Assets | 43.53% | 43.53% | 60.64% | 68.47% | 24th pctl | 38 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||