Chicago, IL · Charter 61566
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
86
Asset Quality
41
Profitability
4
Liquidity
29
Efficiency
3
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 61566
NCUA · 1 branch
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 | -0.67% | 0.95% | 22.18% | 11.40% | 4.97% | 3.18% | -4.28% | -3.95% | -1,535 bps | |
| Return on Equity | -3.43% | 4.61% | 88.10% | 45.04% | 20.62% | 13.51% | -19.90% | -16.99% | -6,203 bps | |
| Net Interest Margin | 1.88% | 3.41% | 1.80% | 1.62% | 1.66% | 2.64% | 1.30% | 1.26% | -36 bps | |
| Efficiency Ratio | 122.87% | 77.44% | 11.01% | 14.21% | 31.40% | 48.78% | 386% | 386% | +37,175 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.45% | -6.47% | 1.25% | 5.58% | 2.50% | 0.84% | 0.46% | -10.00% | -1,557 bps | |
| Loan Growth (YoY) | 234% | 47.91% | 50.48% | -11.47% | -27.73% | -26.45% | -11.38% | -28.53% | -1,706 bps | |
| Share Growth (YoY) | -9.47% | -8.49% | -6.38% | -1.91% | -3.50% | -3.04% | 5.30% | -7.53% | -562 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.08% | 5.95% | 6.36% | 13.43% | 0.00% | 0.00% | 3.40% | 1.11% | -1,232 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 | 5.26% | 5.61% | 5.99% | 6.19% | 6.07% | 6.35% | 5.63% | 7.22% | +103 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.41% | 20.54% | 25.18% | 25.32% | 24.09% | 23.55% | 21.52% | 23.22% | -209 bps | |
| Net Worth / Assets | 19.41% | 20.54% | 25.18% | 25.32% | 24.09% | 23.55% | 21.52% | 23.22% | -209 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.59% | 34.27% | 32.57% | 31.56% | 27.40% | 25.99% | 27.41% | 24.39% | -717 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 61566 · 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
-3.81%
Rank 91 of 96
Net Interest Margin
1.27%
Rank 94 of 96
Efficiency Ratio
433%
Rank 94 of 96
Equity / Assets
23.31%
Rank 13 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.81% | -0.02% | 0.42% | 1.03% | Beats 5% | 91 / 96 | ||
| Return on Equity | -16.36% | -0.11% | 2.94% | 6.89% | Beats 5% | 90 / 95 | ||
| Net Interest Margin | 1.27% | 3.01% | 3.57% | 4.27% | Beats 2% | 94 / 96 | ||
| Efficiency Ratio | 433% | 73.45% | 82.91% | 96.61% | Beats 3% | 94 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.14% | 0.08% | 0.86% | 1.63% | Beats 41% | 56 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.31% | 11.79% | 15.23% | 18.93% | Beats 86% | 13 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.31% | 11.79% | 15.23% | 18.93% | Beats 86% | 13 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 24.31% | 32.14% | 50.03% | 67.81% | 17th pctl | 80 / 96 | ||
| Loans / Assets | 18.64% | 23.12% | 42.50% | 56.24% | 20th pctl | 77 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||