Peoria, IL · Charter 60863
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 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
88
Asset Quality
4
Profitability
43
Liquidity
49
Efficiency
52
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.
Peoria, IL · Charter 60863
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 | 1.00% | 1.17% | 0.67% | 1.12% | 0.87% | -13 bps | |
| Return on Equity | 5.03% | 5.80% | 3.37% | 5.74% | 4.48% | -55 bps | |
| Net Interest Margin | 4.23% | 4.23% | 3.62% | 3.88% | 3.92% | -31 bps | |
| Efficiency Ratio | 70.71% | 67.10% | 77.01% | 72.80% | 75.34% | +463 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.56% | 7.90% | 5.96% | 3.49% | 5.15% | -442 bps | |
| Loan Growth (YoY) | 0.77% | -0.11% | -0.63% | -1.04% | -4.15% | -491 bps | |
| Share Growth (YoY) | 11.53% | 9.34% | 6.59% | 3.39% | 5.61% | -592 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.34% | 4.35% | 2.87% | 3.33% | 4.69% | +136 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 | 19.84% | 20.14% | 19.80% | 19.50% | 19.47% | -37 bps | |
| Net Worth / Assets | 19.84% | 20.14% | 19.80% | 19.50% | 19.47% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.10% | 59.78% | 58.38% | 55.60% | 55.45% | -564 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Peoria, IL · Charter 60863 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
0.86%
Rank 30 of 50
Net Interest Margin
3.93%
Rank 21 of 50
Efficiency Ratio
75.24%
Rank 25 of 50
Equity / Assets
19.47%
Rank 6 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.49% | 0.97% | 1.35% | Beats 40% | 30 / 50 | |
| Return on Equity | 4.44% | 3.76% | 7.55% | 10.28% | Beats 30% | 35 / 50 | |
| Net Interest Margin | 3.93% | 3.15% | 3.72% | 4.20% | Beats 58% | 21 / 50 | |
| Efficiency Ratio | 75.24% | 67.18% | 75.90% | 80.66% | Beats 52% | 25 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.69% | 0.14% | 0.47% | 0.87% | Beats 4% | 49 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.47% | 10.68% | 13.50% | 16.38% | Beats 88% | 6 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.47% | 10.68% | 13.50% | 16.38% | Beats 88% | 6 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.45% | 55.23% | 70.87% | 80.60% | 26th pctl | 37 / 50 | |
| Loans / Assets | 44.47% | 43.53% | 60.64% | 68.47% | 26th pctl | 37 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||