Peru, IL · Charter 62121
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
70
Profitability
30
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.
Peru, IL · Charter 62121
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 | 0.03% | 0.10% | 0.10% | -3.59% | -2.12% | -215 bps | |
| Return on Equity | 0.27% | 0.96% | 1.03% | -36.11% | -20.95% | -2,122 bps | |
| Net Interest Margin | 4.47% | 4.64% | 4.63% | 4.61% | 4.77% | +30 bps | |
| Efficiency Ratio | 94.57% | 95.08% | 95.76% | 131.39% | 117.34% | +2,277 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.63% | -4.47% | -2.32% | -0.78% | -4.15% | -152 bps | |
| Loan Growth (YoY) | -3.12% | 2.01% | 2.73% | 1.31% | -0.87% | +225 bps | |
| Share Growth (YoY) | -3.33% | -4.67% | -2.34% | -0.12% | -4.08% | -76 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 0.84% | 0.35% | 1.53% | 0.34% | -15 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 | 10.27% | 10.02% | 10.01% | 9.94% | 10.12% | -15 bps | |
| Net Worth / Assets | 10.27% | 10.02% | 10.01% | 9.94% | 10.12% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.82% | 85.18% | 82.80% | 81.19% | 85.59% | +277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Peru, IL · Charter 62121 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-2.12%
Rank 1,649 of 1,683
Net Interest Margin
4.77%
Rank 220 of 1,683
Efficiency Ratio
117.44%
Rank 1,635 of 1,682
Equity / Assets
10.12%
Rank 1,320 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.12% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,649 / 1,683 | |
| Return on Equity | -20.98% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,655 / 1,681 | |
| Net Interest Margin | 4.77% | 3.31% | 3.82% | 4.32% | Beats 87% | 220 / 1,683 | |
| Efficiency Ratio | 117.44% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,635 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 506 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.12% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,320 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.12% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,320 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.59% | 52.61% | 69.38% | 83.50% | 79th pctl | 359 / 1,683 | |
| Loans / Assets | 76.50% | 44.71% | 59.18% | 70.72% | 86th pctl | 234 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||