Chicago, IL · Charter 60923
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
51
Asset Quality
3
Profitability
72
Liquidity
61
Efficiency
78
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 60923
NCUA · 2 branches
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 | 5.06% | 1.60% | 3.60% | 7.12% | 7.67% | 5.02% | 3.80% | 2.94% | -418 bps | |
| Return on Equity | 38.49% | 12.70% | 28.28% | 53.61% | 54.34% | 34.73% | 25.33% | 19.21% | -3,441 bps | |
| Net Interest Margin | 5.11% | 4.15% | 3.79% | 3.21% | 2.22% | 2.04% | 3.41% | 2.98% | -23 bps | |
| Efficiency Ratio | 55.33% | 85.35% | 56.37% | 57.34% | 44.25% | 54.57% | 56.83% | 70.71% | +1,337 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.59% | -3.65% | 4.39% | 5.11% | 13.24% | 11.61% | 6.65% | 4.01% | -110 bps | |
| Loan Growth (YoY) | -21.29% | -25.46% | -28.52% | -0.99% | 6.90% | 10.46% | 18.82% | -3.70% | -270 bps | |
| Share Growth (YoY) | -5.57% | -4.31% | -2.49% | -1.27% | 0.12% | -2.59% | -0.39% | -0.65% | +63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.62% | 4.61% | 4.19% | 28.12% | 48.77% | 9.13% | 11.19% | 11.24% | -1,688 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 | 4.99% | 5.38% | 5.90% | 4.56% | 4.67% | 4.87% | 4.97% | 4.74% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.15% | 12.64% | 12.72% | 13.28% | 14.11% | 14.46% | 15.02% | 15.33% | +205 bps | |
| Net Worth / Assets | 13.15% | 12.64% | 12.72% | 13.28% | 14.11% | 14.46% | 15.02% | 15.33% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.10% | 31.19% | 28.83% | 37.19% | 36.41% | 35.37% | 34.39% | 36.04% | -114 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 60923 · 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
2.97%
Rank 4 of 96
Net Interest Margin
2.97%
Rank 75 of 96
Efficiency Ratio
71.62%
Rank 22 of 96
Equity / Assets
15.32%
Rank 47 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.97% | -0.02% | 0.42% | 1.03% | Beats 96% | 4 / 96 | ||
| Return on Equity | 19.38% | -0.11% | 2.94% | 6.89% | Beats 97% | 3 / 95 | ||
| Net Interest Margin | 2.97% | 3.01% | 3.57% | 4.27% | Beats 22% | 75 / 96 | ||
| Efficiency Ratio | 71.62% | 73.45% | 82.91% | 96.61% | Beats 78% | 22 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 11.24% | 0.08% | 0.86% | 1.63% | Beats 3% | 91 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.32% | 11.79% | 15.23% | 18.93% | Beats 51% | 47 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.32% | 11.79% | 15.23% | 18.93% | Beats 51% | 47 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.03% | 32.14% | 50.03% | 67.81% | 28th pctl | 69 / 96 | ||
| Loans / Assets | 18.02% | 23.12% | 42.50% | 56.24% | 15th pctl | 82 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||