Aurora, IL · Charter 61425
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
60
Asset Quality
100
Profitability
80
Liquidity
86
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.
Aurora, IL · Charter 61425
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 | 1.64% | 1.84% | 1.51% | 1.37% | 1.17% | -47 bps | |
| Return on Equity | 10.65% | 12.06% | 10.07% | 8.98% | 7.27% | -337 bps | |
| Net Interest Margin | 5.03% | 5.00% | 4.85% | 4.75% | 4.72% | -31 bps | |
| Efficiency Ratio | 68.03% | 63.78% | 69.46% | 71.58% | 75.63% | +760 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.72% | 6.01% | 6.64% | 1.51% | 4.64% | +92 bps | |
| Loan Growth (YoY) | -22.50% | -24.03% | -31.09% | -24.57% | -34.20% | -1,170 bps | |
| Share Growth (YoY) | 2.18% | 4.94% | 5.89% | 0.01% | 3.77% | +159 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.44% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.78% | 0.89% | 0.94% | 1.11% | +38 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.37% | 15.29% | 14.96% | 15.31% | 16.05% | +68 bps | |
| Net Worth / Assets | 15.37% | 15.29% | 14.96% | 15.31% | 16.05% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.95% | 63.16% | 53.57% | 50.42% | 44.99% | -2,596 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aurora, IL · Charter 61425 · 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
1.19%
Rank 21 of 96
Net Interest Margin
4.68%
Rank 15 of 96
Efficiency Ratio
76.56%
Rank 34 of 96
Equity / Assets
16.05%
Rank 38 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | -0.02% | 0.42% | 1.03% | Beats 78% | 21 / 96 | |
| Return on Equity | 7.41% | -0.11% | 2.94% | 6.89% | Beats 78% | 21 / 95 | |
| Net Interest Margin | 4.68% | 3.01% | 3.57% | 4.27% | Beats 84% | 15 / 96 | |
| Efficiency Ratio | 76.56% | 73.45% | 82.91% | 96.61% | Beats 67% | 34 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.86% | 1.63% | Beats 100% | 20 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.05% | 11.79% | 15.23% | 18.93% | Beats 60% | 38 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.05% | 11.79% | 15.23% | 18.93% | Beats 60% | 38 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.99% | 32.14% | 50.03% | 67.81% | 38th pctl | 60 / 96 | |
| Loans / Assets | 37.70% | 23.12% | 42.50% | 56.24% | 38th pctl | 60 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||