Evanston, IL · Charter 62338
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
55
Asset Quality
100
Profitability
19
Liquidity
3
Efficiency
14
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.
Evanston, IL · Charter 62338
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 | 0.08% | 0.81% | 0.26% | -1.13% | -0.38% | -46 bps | |
| Return on Equity | 0.51% | 5.14% | 1.67% | -6.96% | -2.41% | -292 bps | |
| Net Interest Margin | 2.72% | 2.75% | 1.75% | 3.33% | 2.74% | +2 bps | |
| Efficiency Ratio | 97.31% | 72.70% | 86.97% | 130.53% | 113.89% | +1,659 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.86% | -2.41% | -1.23% | -1.70% | -0.25% | +1,261 bps | |
| Loan Growth (YoY) | -16.34% | -6.46% | -9.48% | -11.58% | -12.56% | +378 bps | |
| Share Growth (YoY) | -15.28% | -2.84% | -1.69% | -2.21% | -0.23% | +1,505 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.37% | 11.03% | 11.03% | 11.76% | 13.00% | +163 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.80% | 15.83% | 15.29% | 16.24% | 15.77% | -3 bps | |
| Net Worth / Assets | 15.80% | 15.83% | 15.29% | 16.24% | 15.77% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 16.85% | 16.65% | 16.56% | 16.92% | 14.77% | -208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Evanston, IL · Charter 62338 · 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
-0.40%
Rank 77 of 96
Net Interest Margin
2.71%
Rank 78 of 96
Efficiency Ratio
114.81%
Rank 84 of 96
Equity / Assets
15.78%
Rank 43 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | -0.02% | 0.42% | 1.03% | Beats 20% | 77 / 96 | |
| Return on Equity | -2.55% | -0.11% | 2.94% | 6.89% | Beats 19% | 77 / 95 | |
| Net Interest Margin | 2.71% | 3.01% | 3.57% | 4.27% | Beats 19% | 78 / 96 | |
| Efficiency Ratio | 114.81% | 73.45% | 82.91% | 96.61% | Beats 14% | 84 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.86% | 1.63% | Beats 100% | 20 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.78% | 11.79% | 15.23% | 18.93% | Beats 55% | 43 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.78% | 11.79% | 15.23% | 18.93% | Beats 55% | 43 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 14.75% | 32.14% | 50.03% | 67.81% | 10th pctl | 86 / 96 | |
| Loans / Assets | 12.01% | 23.12% | 42.50% | 56.24% | 11th pctl | 85 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||