South Holland, IL · Charter 61368
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
33
Asset Quality
45
Profitability
31
Liquidity
89
Efficiency
32
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.
South Holland, IL · Charter 61368
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 | 0.41% | 0.38% | 0.15% | 0.34% | 0.00% | -41 bps | |
| Return on Equity | 3.33% | 3.01% | 1.17% | 2.69% | 0.03% | -330 bps | |
| Net Interest Margin | 2.98% | 3.03% | 3.06% | 3.10% | 3.42% | +44 bps | |
| Efficiency Ratio | 85.16% | 84.57% | 87.46% | 94.52% | 93.82% | +866 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 30.07% | 25.69% | 4.19% | 2.41% | -10.79% | -4,086 bps | |
| Loan Growth (YoY) | 128.56% | 115.71% | 12.82% | 11.67% | -6.23% | -13,478 bps | |
| Share Growth (YoY) | 33.80% | 30.25% | 2.99% | 1.63% | -12.65% | -4,646 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.63% | 0.32% | 0.30% | 0.94% | +37 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 | 12.40% | 12.55% | 12.57% | 12.62% | 13.64% | +124 bps | |
| Net Worth / Assets | 12.40% | 12.55% | 12.57% | 12.62% | 13.64% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.02% | 40.58% | 42.92% | 39.98% | 46.18% | +317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Holland, IL · Charter 61368 · 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
0.01%
Rank 71 of 96
Net Interest Margin
3.42%
Rank 56 of 96
Efficiency Ratio
93.77%
Rank 66 of 96
Equity / Assets
13.64%
Rank 64 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | -0.02% | 0.42% | 1.03% | Beats 26% | 71 / 96 | |
| Return on Equity | 0.04% | -0.11% | 2.94% | 6.89% | Beats 25% | 71 / 95 | |
| Net Interest Margin | 3.42% | 3.01% | 3.57% | 4.27% | Beats 42% | 56 / 96 | |
| Efficiency Ratio | 93.77% | 73.45% | 82.91% | 96.61% | Beats 32% | 66 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.94% | 0.08% | 0.86% | 1.63% | Beats 45% | 52 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.64% | 11.79% | 15.23% | 18.93% | Beats 33% | 64 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.64% | 11.79% | 15.23% | 18.93% | Beats 33% | 64 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.18% | 32.14% | 50.03% | 67.81% | 40th pctl | 58 / 96 | |
| Loans / Assets | 41.64% | 23.12% | 42.50% | 56.24% | 47th pctl | 51 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||