Generations
Rockford, IL · Charter 60429 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
$22.4MAssets
$9.8MLoans
$18.5MShares
$3.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets in IL (rank 11 of 50).
- Widest gap: efficiency ratio trails 72% of credit unions under $1B in assets in IL (rank 37 of 50).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |