Chicago, IL · Charter 61643
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
21
Asset Quality
51
Profitability
48
Liquidity
98
Efficiency
52
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 61643
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 | 0.40% | 0.55% | 0.50% | 0.47% | 0.50% | +10 bps | |
| Return on Equity | 3.73% | 4.92% | 4.33% | 4.13% | 4.41% | +68 bps | |
| Net Interest Margin | 2.93% | 3.11% | 3.20% | 3.13% | 3.14% | +20 bps | |
| Efficiency Ratio | 82.84% | 80.12% | 80.50% | 81.67% | 80.88% | -196 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.25% | 3.92% | 1.83% | 0.38% | -1.32% | -658 bps | |
| Loan Growth (YoY) | -4.65% | -2.47% | -5.75% | -3.74% | -2.70% | +195 bps | |
| Share Growth (YoY) | 5.87% | 3.86% | 1.56% | -0.14% | -2.08% | -795 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 0.57% | 0.55% | 0.85% | 0.85% | -52 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 | 10.62% | 11.19% | 11.56% | 11.28% | 11.28% | +67 bps | |
| Net Worth / Assets | 10.62% | 11.19% | 11.56% | 11.28% | 11.28% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.54% | 52.21% | 53.38% | 50.13% | 49.22% | -32 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 61643 · 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
0.50%
Rank 43 of 96
Net Interest Margin
3.14%
Rank 68 of 96
Efficiency Ratio
80.88%
Rank 47 of 96
Equity / Assets
11.28%
Rank 76 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | -0.02% | 0.42% | 1.03% | Beats 55% | 43 / 96 | |
| Return on Equity | 4.41% | -0.11% | 2.94% | 6.89% | Beats 60% | 38 / 95 | |
| Net Interest Margin | 3.14% | 3.01% | 3.57% | 4.27% | Beats 29% | 68 / 96 | |
| Efficiency Ratio | 80.88% | 73.45% | 82.91% | 96.61% | Beats 52% | 47 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.86% | 0.08% | 0.86% | 1.63% | Beats 51% | 47 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.28% | 11.79% | 15.23% | 18.93% | Beats 21% | 76 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.28% | 11.79% | 15.23% | 18.93% | Beats 21% | 76 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.23% | 32.14% | 50.03% | 67.81% | 46th pctl | 52 / 96 | |
| Loans / Assets | 43.43% | 23.12% | 42.50% | 56.24% | 54th pctl | 44 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||