Ottawa, IL · Charter 63213
NCUA · 3 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
76
Asset Quality
100
Profitability
87
Liquidity
46
Efficiency
95
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.
Ottawa, IL · Charter 63213
NCUA · 3 branches
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 | 1.52% | 1.34% | 1.61% | 2.02% | 2.09% | 1.91% | 1.91% | 2.12% | +10 bps | |
| Return on Equity | 10.47% | 9.10% | 11.16% | 13.20% | 13.30% | 12.03% | 11.58% | 12.70% | -50 bps | |
| Net Interest Margin | 3.62% | 3.71% | 3.67% | 3.89% | 3.94% | 3.80% | 4.17% | 4.20% | +32 bps | |
| Efficiency Ratio | 60.87% | 62.05% | 52.39% | 47.88% | 47.81% | 51.17% | 56.27% | 52.08% | +420 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.99% | 0.47% | 2.26% | -0.23% | 4.17% | 5.69% | -0.76% | 3.77% | +400 bps | |
| Loan Growth (YoY) | -1.75% | 4.58% | 2.55% | 1.50% | 5.86% | 4.35% | 7.66% | 5.88% | +439 bps | |
| Share Growth (YoY) | 2.95% | -0.80% | 1.17% | -1.90% | 3.02% | 4.27% | -3.25% | 1.99% | +390 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | 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 | 14.50% | 14.74% | 14.40% | 15.27% | 15.68% | 15.85% | 16.51% | 16.69% | +142 bps | |
| Net Worth / Assets | 14.50% | 14.74% | 14.40% | 15.27% | 15.68% | 15.85% | 16.51% | 16.69% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.78% | 51.71% | 48.23% | 50.93% | 52.18% | 51.74% | 53.67% | 52.88% | +194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ottawa, IL · Charter 63213 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
2.11%
Rank 62 of 1,683
Net Interest Margin
4.20%
Rank 512 of 1,683
Efficiency Ratio
51.94%
Rank 79 of 1,682
Equity / Assets
16.69%
Rank 408 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.11% | 0.35% | 0.74% | 1.18% | Beats 96% | 62 / 1,683 | ||
| Return on Equity | 12.66% | 2.67% | 5.89% | 8.74% | Beats 94% | 105 / 1,681 | ||
| Net Interest Margin | 4.20% | 3.31% | 3.82% | 4.32% | Beats 70% | 512 / 1,683 | ||
| Efficiency Ratio | 51.94% | 68.91% | 78.20% | 86.93% | Beats 95% | 79 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.69% | 10.44% | 12.89% | 16.53% | Beats 76% | 408 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.69% | 10.44% | 12.89% | 16.53% | Beats 76% | 408 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.88% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,257 / 1,683 | ||
| Loans / Assets | 43.98% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,276 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||