Wheaton, IL · Charter 61290
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
57
Asset Quality
56
Profitability
48
Liquidity
62
Efficiency
54
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.
Wheaton, IL · Charter 61290
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 | 2.35% | 2.56% | 2.06% | -0.29% | 0.24% | -210 bps | |
| Return on Equity | 16.31% | 16.21% | 13.29% | -1.83% | 1.53% | -1,478 bps | |
| Net Interest Margin | 4.76% | 5.00% | 4.81% | 3.91% | 4.35% | -41 bps | |
| Efficiency Ratio | 54.81% | 52.80% | 56.14% | 78.72% | 78.78% | +2,397 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.06% | 3.99% | -1.42% | -1.99% | -4.93% | -599 bps | |
| Loan Growth (YoY) | -1.32% | -2.74% | -6.69% | -8.69% | -8.26% | -694 bps | |
| Share Growth (YoY) | -1.74% | 1.12% | -4.67% | -5.07% | -6.57% | -484 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.40% | 0.51% | 1.17% | 0.77% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.00% | 0.00% | 0.00% | 0.00% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.39% | 15.77% | 15.51% | 15.75% | 15.81% | +142 bps | |
| Net Worth / Assets | 14.39% | 15.77% | 15.51% | 15.75% | 15.81% | +142 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.12% | 65.89% | 62.94% | 61.34% | 61.98% | -114 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wheaton, IL · Charter 61290 · 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
0.25%
Rank 62 of 96
Net Interest Margin
4.35%
Rank 22 of 96
Efficiency Ratio
78.80%
Rank 45 of 96
Equity / Assets
15.82%
Rank 41 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | -0.02% | 0.42% | 1.03% | Beats 35% | 62 / 96 | |
| Return on Equity | 1.55% | -0.11% | 2.94% | 6.89% | Beats 32% | 65 / 95 | |
| Net Interest Margin | 4.35% | 3.01% | 3.57% | 4.27% | Beats 77% | 22 / 96 | |
| Efficiency Ratio | 78.80% | 73.45% | 82.91% | 96.61% | Beats 54% | 45 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.77% | 0.08% | 0.86% | 1.63% | Beats 56% | 42 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.82% | 11.79% | 15.23% | 18.93% | Beats 57% | 41 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.82% | 11.79% | 15.23% | 18.93% | Beats 57% | 41 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.97% | 32.14% | 50.03% | 67.81% | 71st pctl | 28 / 96 | |
| Loans / Assets | 51.79% | 23.12% | 42.50% | 56.24% | 71st pctl | 28 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||