Chicago, IL · Charter 61560
NCUA · 2 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
82
Asset Quality
46
Profitability
77
Liquidity
24
Efficiency
73
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.
Chicago, IL · Charter 61560
NCUA · 2 branches
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 | 1.95% | 1.55% | 1.54% | 0.89% | 1.21% | -74 bps | |
| Return on Equity | 9.61% | 7.65% | 7.38% | 4.26% | 5.68% | -393 bps | |
| Net Interest Margin | 5.12% | 5.11% | 5.13% | 5.10% | 5.03% | -10 bps | |
| Efficiency Ratio | 68.08% | 72.04% | 73.13% | 78.29% | 74.64% | +656 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.60% | 5.13% | 2.14% | 0.33% | 0.03% | -458 bps | |
| Loan Growth (YoY) | -12.62% | -15.05% | -13.06% | -16.14% | -11.75% | +86 bps | |
| Share Growth (YoY) | 4.20% | 4.62% | 0.82% | -1.35% | -1.28% | -548 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 0.34% | 0.97% | 0.67% | 0.93% | -10 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 | 20.30% | 20.22% | 20.83% | 20.98% | 21.30% | +100 bps | |
| Net Worth / Assets | 20.30% | 20.22% | 20.83% | 20.98% | 21.30% | +100 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.44% | 79.37% | 80.80% | 74.93% | 73.69% | -874 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 61560 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
Return on Assets
1.21%
Rank 20 of 96
Net Interest Margin
5.03%
Rank 12 of 96
Efficiency Ratio
74.49%
Rank 27 of 96
Equity / Assets
21.30%
Rank 17 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | -0.02% | 0.42% | 1.03% | Beats 79% | 20 / 96 | |
| Return on Equity | 5.68% | -0.11% | 2.94% | 6.89% | Beats 65% | 33 / 95 | |
| Net Interest Margin | 5.03% | 3.01% | 3.57% | 4.27% | Beats 88% | 12 / 96 | |
| Efficiency Ratio | 74.49% | 73.45% | 82.91% | 96.61% | Beats 73% | 27 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.08% | 0.86% | 1.63% | Beats 46% | 51 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.30% | 11.79% | 15.23% | 18.93% | Beats 82% | 17 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.30% | 11.79% | 15.23% | 18.93% | Beats 82% | 17 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.69% | 32.14% | 50.03% | 67.81% | 82nd pctl | 17 / 96 | |
| Loans / Assets | 57.88% | 23.12% | 42.50% | 56.24% | 77th pctl | 22 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||