Riverdale, IL · Charter 61230
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
66
Asset Quality
62
Profitability
41
Liquidity
94
Efficiency
67
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.
Riverdale, IL · Charter 61230
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 | 0.10% | 0.01% | 0.06% | 0.07% | 0.30% | +21 bps | |
| Return on Equity | 0.48% | 0.05% | 0.29% | 0.38% | 1.78% | +130 bps | |
| Net Interest Margin | 3.43% | 3.51% | 3.39% | 3.34% | 3.55% | +12 bps | |
| Efficiency Ratio | 70.28% | 75.27% | 76.34% | 83.54% | 76.54% | +626 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.86% | -0.28% | 4.13% | 11.74% | 15.81% | +1,867 bps | |
| Loan Growth (YoY) | -3.14% | -3.88% | 13.02% | 25.85% | 41.39% | +4,453 bps | |
| Share Growth (YoY) | -2.82% | -0.05% | 5.38% | 15.74% | 20.33% | +2,314 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 1.15% | 0.79% | 0.30% | 0.55% | -25 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 | 19.65% | 19.78% | 18.74% | 17.37% | 17.09% | -256 bps | |
| Net Worth / Assets | 19.65% | 19.78% | 18.74% | 17.37% | 17.09% | -256 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.13% | 44.54% | 47.78% | 47.69% | 51.86% | +773 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Riverdale, IL · Charter 61230 · 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
0.30%
Rank 57 of 96
Net Interest Margin
3.55%
Rank 50 of 96
Efficiency Ratio
76.56%
Rank 34 of 96
Equity / Assets
17.09%
Rank 33 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | -0.02% | 0.42% | 1.03% | Beats 41% | 57 / 96 | |
| Return on Equity | 1.78% | -0.11% | 2.94% | 6.89% | Beats 35% | 62 / 95 | |
| Net Interest Margin | 3.55% | 3.01% | 3.57% | 4.27% | Beats 48% | 50 / 96 | |
| Efficiency Ratio | 76.56% | 73.45% | 82.91% | 96.61% | Beats 67% | 34 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.55% | 0.08% | 0.86% | 1.63% | Beats 62% | 36 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.09% | 11.79% | 15.23% | 18.93% | Beats 66% | 33 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.09% | 11.79% | 15.23% | 18.93% | Beats 66% | 33 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 51.86% | 32.14% | 50.03% | 67.81% | 56th pctl | 42 / 96 | |
| Loans / Assets | 42.48% | 23.12% | 42.50% | 56.24% | 49th pctl | 49 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||