Chicago, IL · Charter 60680
NCUA · 1 branch
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 the Chicago-Naperville-Elgin, IL-IN area (n=93 to 96). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
100
Profitability
14
Liquidity
48
Efficiency
12
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.
Chicago, IL · Charter 60680
NCUA · 1 branch
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 | 1.23% | 0.94% | 1.25% | -1.08% | -0.52% | -175 bps | |
| Return on Equity | 8.99% | 7.68% | 8.63% | -4.69% | -2.23% | -1,122 bps | |
| Net Interest Margin | 2.87% | 2.65% | 2.99% | 1.53% | 1.75% | -112 bps | |
| Efficiency Ratio | 57.72% | 65.07% | 58.78% | 169.70% | 129.22% | +7,149 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.18% | 12.70% | 3.37% | 79.96% | 79.67% | +7,949 bps | |
| Loan Growth (YoY) | -16.62% | -13.78% | -15.18% | 5.81% | -3.60% | +1,303 bps | |
| Share Growth (YoY) | -2.14% | 13.57% | 2.61% | 60.89% | 61.31% | +6,345 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 2.28% | 3.04% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.99% | 5.22% | 5.93% | 6.19% | 3.54% | -144 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.73% | 12.23% | 14.52% | 22.93% | 23.09% | +936 bps | |
| Net Worth / Assets | 13.73% | 12.23% | 14.52% | 22.93% | 23.09% | +936 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.25% | 43.77% | 42.55% | 34.78% | 31.22% | -2,102 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 60680 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.59%
Rank 79 of 96
Net Interest Margin
1.76%
Rank 92 of 96
Efficiency Ratio
133.33%
Rank 85 of 96
Equity / Assets
23.13%
Rank 14 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.59% | -0.02% | 0.42% | 1.03% | Beats 18% | 79 / 96 | |
| Return on Equity | -2.53% | -0.11% | 2.94% | 6.89% | Beats 20% | 76 / 95 | |
| Net Interest Margin | 1.76% | 3.01% | 3.57% | 4.27% | Beats 4% | 92 / 96 | |
| Efficiency Ratio | 133.33% | 73.45% | 82.91% | 96.61% | Beats 12% | 85 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.86% | 1.63% | Beats 100% | 20 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 23.13% | 11.79% | 15.23% | 18.93% | Beats 85% | 14 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 23.13% | 11.79% | 15.23% | 18.93% | Beats 85% | 14 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 31.24% | 32.14% | 50.03% | 67.81% | 24th pctl | 73 / 96 | |
| Loans / Assets | 24.01% | 23.12% | 42.50% | 56.24% | 26th pctl | 71 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||