Joliet, IL · Charter 61447
NCUA · 12 branches
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
13
Asset Quality
35
Profitability
64
Liquidity
0
Efficiency
47
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.
Joliet, IL · Charter 61447
NCUA · 12 branches
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 | 0.74% | 0.77% | 0.48% | 0.65% | 0.72% | 0.67% | 0.51% | 0.62% | -4 bps | |
| Return on Equity | 7.28% | 7.60% | 4.82% | 6.37% | 6.94% | 6.43% | 5.15% | 6.01% | -36 bps | |
| Net Interest Margin | 3.49% | 3.49% | 3.57% | 3.79% | 3.86% | 3.90% | 3.89% | 4.04% | +25 bps | |
| Efficiency Ratio | 81.74% | 80.88% | 86.78% | 83.98% | 83.25% | 83.65% | 86.11% | 84.47% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.65% | 11.06% | 12.56% | 12.10% | 6.08% | 4.04% | 7.99% | 6.87% | -522 bps | |
| Loan Growth (YoY) | 3.72% | 5.09% | 6.40% | 7.44% | 5.94% | 4.33% | 2.91% | 0.96% | -648 bps | |
| Share Growth (YoY) | 2.20% | 6.18% | 7.54% | 7.07% | 6.23% | 3.71% | 8.69% | 8.11% | +104 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.04% | 0.93% | 1.02% | 1.31% | 1.28% | 0.94% | 1.30% | +28 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.21% | 10.19% | 10.00% | 10.26% | 10.39% | 10.47% | 9.90% | 10.24% | -2 bps | |
| Net Worth / Assets | 10.21% | 10.19% | 10.00% | 10.26% | 10.39% | 10.47% | 9.90% | 10.24% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.88% | 86.40% | 84.29% | 87.39% | 87.63% | 86.92% | 79.80% | 81.61% | -578 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Joliet, IL · Charter 61447 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 12 branches
Q2 2026
Return on Assets
0.62%
Rank 40 of 96
Net Interest Margin
4.04%
Rank 33 of 96
Efficiency Ratio
84.46%
Rank 52 of 96
Equity / Assets
10.24%
Rank 84 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | -0.02% | 0.42% | 1.03% | Beats 58% | 40 / 96 | ||
| Return on Equity | 6.01% | -0.11% | 2.94% | 6.89% | Beats 68% | 30 / 95 | ||
| Net Interest Margin | 4.04% | 3.01% | 3.57% | 4.27% | Beats 66% | 33 / 96 | ||
| Efficiency Ratio | 84.46% | 73.45% | 82.91% | 96.61% | Beats 47% | 52 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.30% | 0.08% | 0.86% | 1.63% | Beats 35% | 61 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.24% | 11.79% | 15.23% | 18.93% | Beats 13% | 84 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.24% | 11.79% | 15.23% | 18.93% | Beats 13% | 84 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.61% | 32.14% | 50.03% | 67.81% | 90th pctl | 10 / 96 | ||
| Loans / Assets | 68.84% | 23.12% | 42.50% | 56.24% | 88th pctl | 12 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||