Peoria, IL · Charter 61232
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
54
Asset Quality
76
Profitability
52
Liquidity
67
Efficiency
64
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 61232
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 | 1.21% | 1.16% | 1.45% | 1.28% | 1.40% | 1.35% | 1.29% | 1.07% | -21 bps | |
| Return on Equity | 9.76% | 9.49% | 11.68% | 10.20% | 10.55% | 10.04% | 9.64% | 7.78% | -242 bps | |
| Net Interest Margin | 3.32% | 3.22% | 3.40% | 3.47% | 3.63% | 3.69% | 3.70% | 3.73% | +26 bps | |
| Efficiency Ratio | 64.36% | 65.09% | 58.54% | 64.33% | 62.79% | 64.72% | 66.21% | 72.23% | +791 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.20% | 11.90% | 13.05% | 11.95% | 4.43% | 1.17% | 2.57% | 0.17% | -1,178 bps | |
| Loan Growth (YoY) | 20.23% | 16.85% | 7.79% | -0.04% | -1.96% | 1.79% | 3.88% | 1.91% | +195 bps | |
| Share Growth (YoY) | 6.89% | 12.08% | 13.27% | 12.02% | 3.50% | -0.18% | 1.51% | -1.12% | -1,314 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.87% | 0.24% | 0.47% | 0.97% | 0.83% | 1.01% | 0.14% | -33 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 | 0.77% | 0.81% | 0.57% | 0.60% | 0.71% | 0.72% | 0.74% | 0.58% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.43% | 12.21% | 12.41% | 12.51% | 13.24% | 13.42% | 13.38% | 13.71% | +120 bps | |
| Net Worth / Assets | 12.43% | 12.21% | 12.41% | 12.51% | 13.24% | 13.42% | 13.38% | 13.71% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.75% | 77.81% | 75.77% | 75.35% | 78.39% | 79.34% | 77.54% | 77.66% | +231 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Peoria, IL · Charter 61232 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
1.06%
Rank 22 of 50
Net Interest Margin
3.70%
Rank 27 of 50
Efficiency Ratio
72.22%
Rank 19 of 50
Equity / Assets
13.70%
Rank 23 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.49% | 0.97% | 1.35% | Beats 56% | 22 / 50 | ||
| Return on Equity | 7.75% | 3.76% | 7.55% | 10.28% | Beats 54% | 23 / 50 | ||
| Net Interest Margin | 3.70% | 3.15% | 3.72% | 4.20% | Beats 46% | 27 / 50 | ||
| Efficiency Ratio | 72.22% | 67.18% | 75.90% | 80.66% | Beats 64% | 19 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.14% | 0.47% | 0.87% | Beats 76% | 13 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.70% | 10.68% | 13.50% | 16.38% | Beats 54% | 23 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.70% | 10.68% | 13.50% | 16.38% | Beats 54% | 23 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.65% | 55.23% | 70.87% | 80.60% | 68th pctl | 16 / 50 | ||
| Loans / Assets | 66.75% | 43.53% | 60.64% | 68.47% | 68th pctl | 16 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||