2 Rivers Area
Kankakee, IL · Charter 62827 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
$27.7MAssets
$16.2MLoans
$25.1MShares
$3.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 62% of credit unions under $1B in assets in IL (rank 19 of 50).
- Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets in IL (rank 48 of 50).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.35%
Rank 42 of 50
Net Interest Margin
3.97%
Rank 19 of 50
Efficiency Ratio
94.05%
Rank 48 of 50
Equity / Assets
10.68%
Rank 38 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.49% | 0.97% | 1.35% | Beats 16% | 42 / 50 | |
| Return on Equity | 3.24% | 3.76% | 7.55% | 10.28% | Beats 22% | 39 / 50 | |
| Net Interest Margin | 3.97% | 3.15% | 3.72% | 4.20% | Beats 62% | 19 / 50 | |
| Efficiency Ratio | 94.05% | 67.18% | 75.90% | 80.66% | Beats 6% | 48 / 50 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.14% | 0.47% | 0.87% | Beats 28% | 37 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.68% | 10.68% | 13.50% | 16.38% | Beats 24% | 38 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.68% | 10.68% | 13.50% | 16.38% | Beats 24% | 38 / 50 | |
| Liquidity & Funding |
| Loans / Deposits | 64.68% | 55.23% | 70.87% | 80.60% | 42nd pctl | 29 / 50 | |
| Loans / Assets | 58.44% | 43.53% | 60.64% | 68.47% | 46th pctl | 27 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |