Chicago, IL · Charter 60688
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.
Trailing 9 quarters, through Q2 2026
Capital
20
Asset Quality
100
Profitability
35
Liquidity
0
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Chicago, IL · Charter 60688
NCUA · 1 branch
Q2 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.94% | 0.59% | 0.48% | 0.48% | 0.58% | 0.45% | 0.33% | -15 bps | |
| Return on Equity | 8.21% | 7.79% | 5.02% | 4.19% | 4.08% | 5.00% | 3.94% | 2.97% | -122 bps | |
| Net Interest Margin | 3.75% | 3.77% | 3.20% | 3.07% | 3.13% | 3.08% | 2.98% | 2.92% | -15 bps | |
| Efficiency Ratio | 74.79% | 75.45% | 81.56% | 84.23% | 84.75% | 81.64% | 84.86% | 88.55% | +432 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.95% | -3.22% | 2.07% | 2.37% | 3.51% | 8.97% | 7.68% | 7.49% | +512 bps | |
| Loan Growth (YoY) | -14.00% | -15.51% | -24.91% | -14.21% | -3.28% | -8.20% | 0.52% | -13.39% | +82 bps | |
| Share Growth (YoY) | -0.05% | -4.62% | 1.43% | 1.95% | 3.32% | 9.48% | 8.04% | 7.86% | +592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.39% | 5.32% | 20.73% | 4.78% | 1.01% | 0.61% | 0.46% | 0.31% | -447 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 | 5.62% | 5.75% | 6.79% | 6.10% | 2.47% | 2.39% | 2.57% | 2.68% | -342 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.52% | 12.01% | 11.75% | 11.54% | 11.68% | 11.60% | 11.46% | 11.24% | -31 bps | |
| Net Worth / Assets | 11.52% | 12.01% | 11.75% | 11.54% | 11.68% | 11.60% | 11.46% | 11.24% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.87% | 14.96% | 12.21% | 13.21% | 13.92% | 12.55% | 11.36% | 10.61% | -260 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 60688 · 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
0.29%
Rank 60 of 96
Net Interest Margin
3.00%
Rank 73 of 96
Efficiency Ratio
85.71%
Rank 55 of 96
Equity / Assets
11.27%
Rank 77 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | -0.02% | 0.42% | 1.03% | Beats 38% | 60 / 96 | ||
| Return on Equity | 2.53% | -0.11% | 2.94% | 6.89% | Beats 43% | 54 / 95 | ||
| Net Interest Margin | 3.00% | 3.01% | 3.57% | 4.27% | Beats 24% | 73 / 96 | ||
| Efficiency Ratio | 85.71% | 73.45% | 82.91% | 96.61% | Beats 44% | 55 / 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 | 11.27% | 11.79% | 15.23% | 18.93% | Beats 20% | 77 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.27% | 11.79% | 15.23% | 18.93% | Beats 20% | 77 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 10.60% | 32.14% | 50.03% | 67.81% | 6th pctl | 90 / 96 | ||
| Loans / Assets | 9.42% | 23.12% | 42.50% | 56.24% | 8th pctl | 88 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||