River Forest, IL · Charter 61448
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
23
Asset Quality
70
Profitability
36
Liquidity
16
Efficiency
22
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.
River Forest, IL · Charter 61448
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 | 0.71% | 0.64% | 0.46% | 0.29% | -0.39% | -110 bps | |
| Return on Equity | 6.61% | 5.86% | 3.97% | 2.53% | -3.43% | -1,004 bps | |
| Net Interest Margin | 4.35% | 4.59% | 4.91% | 4.73% | 4.20% | -15 bps | |
| Efficiency Ratio | 81.61% | 82.82% | 88.20% | 94.38% | 108.25% | +2,664 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.88% | -6.34% | -14.17% | -8.18% | -5.71% | +117 bps | |
| Loan Growth (YoY) | -3.43% | -5.94% | -0.13% | 0.85% | -0.95% | +248 bps | |
| Share Growth (YoY) | -8.30% | -7.64% | -16.10% | -9.60% | -6.28% | +202 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.66% | 1.66% | 1.69% | 1.74% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.80% | 10.95% | 11.58% | 11.53% | 11.34% | +54 bps | |
| Net Worth / Assets | 10.80% | 10.95% | 11.58% | 11.53% | 11.34% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.17% | 75.32% | 80.83% | 78.04% | 76.27% | +411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
River Forest, IL · Charter 61448 · 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
-0.32%
Rank 76 of 96
Net Interest Margin
4.21%
Rank 28 of 96
Efficiency Ratio
106.90%
Rank 76 of 96
Equity / Assets
11.35%
Rank 74 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.02% | 0.42% | 1.03% | Beats 21% | 76 / 96 | |
| Return on Equity | -2.86% | -0.11% | 2.94% | 6.89% | Beats 17% | 79 / 95 | |
| Net Interest Margin | 4.21% | 3.01% | 3.57% | 4.27% | Beats 71% | 28 / 96 | |
| Efficiency Ratio | 106.90% | 73.45% | 82.91% | 96.61% | Beats 22% | 76 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.08% | 0.86% | 1.63% | Beats 70% | 29 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.35% | 11.79% | 15.23% | 18.93% | Beats 23% | 74 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.35% | 11.79% | 15.23% | 18.93% | Beats 23% | 74 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.23% | 32.14% | 50.03% | 67.81% | 84th pctl | 15 / 96 | |
| Loans / Assets | 67.59% | 23.12% | 42.50% | 56.24% | 85th pctl | 14 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||