Champaign, IL · Charter 60627
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
98
Asset Quality
74
Profitability
62
Liquidity
0
Efficiency
56
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.
Champaign, IL · Charter 60627
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 | 2.22% | 0.81% | 1.04% | 1.29% | 1.36% | -86 bps | |
| Return on Equity | 4.21% | 1.44% | 1.82% | 2.33% | 2.45% | -176 bps | |
| Net Interest Margin | 6.11% | 6.77% | 6.57% | 5.77% | 5.38% | -73 bps | |
| Efficiency Ratio | 65.72% | 88.68% | 84.98% | 79.42% | 76.70% | +1,097 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.73% | -5.82% | -7.13% | -3.29% | -4.37% | -710 bps | |
| Loan Growth (YoY) | -4.96% | -0.23% | -6.74% | -12.80% | 6.08% | +1,104 bps | |
| Share Growth (YoY) | -0.80% | -14.55% | -16.80% | -8.71% | -10.28% | -947 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 3.42% | 0.16% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 1.90% | 2.08% | 2.48% | 2.10% | +79 bps | |
| Capital | |||||||
| Risk-Based Capital | 52.62% | 56.37% | 57.13% | 55.39% | 55.54% | +292 bps | |
| Net Worth / Assets | 52.62% | 56.37% | 57.13% | 55.39% | 55.54% | +292 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 118.76% | 150.68% | 143.10% | 118.55% | 140.41% | +2,165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Champaign, IL · Charter 60627 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
Return on Assets
1.37%
Rank 11 of 50
Net Interest Margin
5.47%
Rank 3 of 50
Efficiency Ratio
74.29%
Rank 23 of 50
Equity / Assets
55.51%
Rank 1 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 0.49% | 0.97% | 1.35% | Beats 78% | 11 / 50 | |
| Return on Equity | 2.46% | 3.76% | 7.55% | 10.28% | Beats 14% | 43 / 50 | |
| Net Interest Margin | 5.47% | 3.15% | 3.72% | 4.20% | Beats 94% | 3 / 50 | |
| Efficiency Ratio | 74.29% | 67.18% | 75.90% | 80.66% | Beats 56% | 23 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.14% | 0.14% | 0.47% | 0.87% | Beats 74% | 14 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 55.51% | 10.68% | 13.50% | 16.38% | Beats 98% | 1 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 55.51% | 10.68% | 13.50% | 16.38% | Beats 98% | 1 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 140.46% | 55.23% | 70.87% | 80.60% | 98th pctl | 1 / 50 | |
| Loans / Assets | 62.25% | 43.53% | 60.64% | 68.47% | 52nd pctl | 24 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||