Chicago, IL · Charter 62497
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
36
Asset Quality
63
Profitability
56
Liquidity
34
Efficiency
48
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 62497
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 | -0.69% | -0.45% | -0.38% | 0.12% | 0.31% | 0.26% | 0.01% | 0.39% | +27 bps | |
| Return on Equity | -5.48% | -3.42% | -2.94% | 0.92% | 2.33% | 1.94% | 0.05% | 2.81% | +189 bps | |
| Net Interest Margin | 3.42% | 3.73% | 3.67% | 3.72% | 3.94% | 3.96% | 4.27% | 4.25% | +53 bps | |
| Efficiency Ratio | 104.10% | 99.33% | 76.73% | 82.75% | 84.42% | 85.61% | 88.10% | 84.33% | +158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | 5.87% | -0.57% | -4.70% | -4.22% | -1.14% | -2.54% | -2.63% | +207 bps | |
| Loan Growth (YoY) | -1.04% | -1.43% | -4.61% | -3.81% | -4.60% | -6.19% | -4.40% | -1.64% | +217 bps | |
| Share Growth (YoY) | -1.04% | -1.45% | -4.34% | -1.11% | -3.71% | -2.52% | -3.96% | -3.70% | -259 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.73% | 0.35% | 0.28% | 0.40% | 1.03% | 0.70% | 0.54% | +26 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 | 12.64% | 13.21% | 13.06% | 13.12% | 13.52% | 13.63% | 13.77% | 13.87% | +75 bps | |
| Net Worth / Assets | 12.64% | 13.21% | 13.06% | 13.12% | 13.52% | 13.63% | 13.77% | 13.87% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.18% | 70.44% | 68.62% | 69.07% | 69.53% | 67.79% | 68.30% | 70.55% | +148 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 62497 · 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
0.39%
Rank 49 of 96
Net Interest Margin
4.25%
Rank 25 of 96
Efficiency Ratio
84.37%
Rank 51 of 96
Equity / Assets
13.87%
Rank 61 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.39% | -0.02% | 0.42% | 1.03% | Beats 49% | 49 / 96 | ||
| Return on Equity | 2.80% | -0.11% | 2.94% | 6.89% | Beats 46% | 51 / 95 | ||
| Net Interest Margin | 4.25% | 3.01% | 3.57% | 4.27% | Beats 74% | 25 / 96 | ||
| Efficiency Ratio | 84.37% | 73.45% | 82.91% | 96.61% | Beats 48% | 51 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.08% | 0.86% | 1.63% | Beats 63% | 35 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.87% | 11.79% | 15.23% | 18.93% | Beats 36% | 61 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.87% | 11.79% | 15.23% | 18.93% | Beats 36% | 61 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.55% | 32.14% | 50.03% | 67.81% | 80th pctl | 19 / 96 | ||
| Loans / Assets | 59.45% | 23.12% | 42.50% | 56.24% | 78th pctl | 21 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||