Countryside, IL · Charter 61847
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
53
Asset Quality
47
Profitability
87
Liquidity
3
Efficiency
89
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.
Countryside, IL · Charter 61847
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 | 1.60% | 1.54% | 1.47% | 1.56% | 1.58% | 1.51% | 1.46% | 1.57% | +1 bps | |
| Return on Equity | 11.61% | 11.31% | 10.68% | 10.79% | 10.78% | 10.26% | 9.81% | 10.13% | -65 bps | |
| Net Interest Margin | 4.26% | 4.19% | 4.39% | 4.57% | 4.60% | 4.64% | 4.68% | 4.77% | +20 bps | |
| Efficiency Ratio | 60.49% | 60.20% | 63.26% | 62.77% | 62.70% | 62.89% | 63.21% | 60.72% | -204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | 1.47% | 6.47% | 4.58% | 5.48% | 3.29% | 2.87% | 3.54% | -104 bps | |
| Loan Growth (YoY) | 1.17% | 1.00% | 3.77% | 6.16% | 10.13% | 10.00% | 7.04% | 4.89% | -127 bps | |
| Share Growth (YoY) | -1.56% | 1.20% | 5.56% | 3.21% | 0.52% | -1.36% | 1.28% | 2.12% | -109 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.12% | 1.06% | 0.96% | 0.78% | 0.75% | 0.91% | 0.93% | -3 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 | 13.80% | 13.64% | 13.81% | 14.43% | 14.66% | 14.71% | 14.93% | 15.47% | +104 bps | |
| Net Worth / Assets | 13.80% | 13.64% | 13.81% | 14.43% | 14.66% | 14.71% | 14.93% | 15.47% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.84% | 76.87% | 73.99% | 78.25% | 84.18% | 85.73% | 78.20% | 80.38% | +213 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Countryside, IL · Charter 61847 · 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
1.57%
Rank 12 of 96
Net Interest Margin
4.77%
Rank 13 of 96
Efficiency Ratio
60.71%
Rank 12 of 96
Equity / Assets
15.47%
Rank 45 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | -0.02% | 0.42% | 1.03% | Beats 88% | 12 / 96 | ||
| Return on Equity | 10.14% | -0.11% | 2.94% | 6.89% | Beats 86% | 13 / 95 | ||
| Net Interest Margin | 4.77% | 3.01% | 3.57% | 4.27% | Beats 86% | 13 / 96 | ||
| Efficiency Ratio | 60.71% | 73.45% | 82.91% | 96.61% | Beats 89% | 12 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.93% | 0.08% | 0.86% | 1.63% | Beats 47% | 50 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.47% | 11.79% | 15.23% | 18.93% | Beats 53% | 45 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.47% | 11.79% | 15.23% | 18.93% | Beats 53% | 45 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.38% | 32.14% | 50.03% | 67.81% | 88th pctl | 12 / 96 | ||
| Loans / Assets | 67.64% | 23.12% | 42.50% | 56.24% | 86th pctl | 13 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||