Bellwood, IL · Charter 60852
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 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
44
Asset Quality
39
Profitability
67
Liquidity
43
Efficiency
50
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.
Bellwood, IL · Charter 60852
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 | 0.92% | 0.92% | 0.85% | 0.51% | 0.63% | -29 bps | |
| Return on Equity | 6.80% | 6.69% | 6.10% | 3.66% | 4.38% | -242 bps | |
| Net Interest Margin | 4.61% | 4.67% | 4.69% | 4.64% | 4.65% | +3 bps | |
| Efficiency Ratio | 76.84% | 77.75% | 79.34% | 84.88% | 82.93% | +609 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.95% | 2.45% | 0.84% | 0.46% | -0.36% | -231 bps | |
| Loan Growth (YoY) | -6.76% | -6.74% | -8.81% | -6.89% | -4.66% | +210 bps | |
| Share Growth (YoY) | 1.55% | 1.80% | -0.12% | -0.54% | -1.30% | -284 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.89% | 1.12% | 1.24% | 1.19% | +52 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 | 13.53% | 13.80% | 13.98% | 14.02% | 14.28% | +75 bps | |
| Net Worth / Assets | 13.53% | 13.80% | 13.98% | 14.02% | 14.28% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.21% | 69.13% | 68.06% | 66.58% | 67.82% | -239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bellwood, IL · Charter 60852 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
Return on Assets
0.63%
Rank 39 of 96
Net Interest Margin
4.65%
Rank 17 of 96
Efficiency Ratio
82.91%
Rank 49 of 96
Equity / Assets
14.28%
Rank 54 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | -0.02% | 0.42% | 1.03% | Beats 59% | 39 / 96 | |
| Return on Equity | 4.38% | -0.11% | 2.94% | 6.89% | Beats 59% | 39 / 95 | |
| Net Interest Margin | 4.65% | 3.01% | 3.57% | 4.27% | Beats 82% | 17 / 96 | |
| Efficiency Ratio | 82.91% | 73.45% | 82.91% | 96.61% | Beats 50% | 49 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.19% | 0.08% | 0.86% | 1.63% | Beats 39% | 58 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.28% | 11.79% | 15.23% | 18.93% | Beats 44% | 54 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.28% | 11.79% | 15.23% | 18.93% | Beats 44% | 54 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.81% | 32.14% | 50.03% | 67.81% | 75th pctl | 24 / 96 | |
| Loans / Assets | 57.08% | 23.12% | 42.50% | 56.24% | 76th pctl | 23 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||