Aurora, IL · Charter 63286
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 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
56
Asset Quality
69
Profitability
35
Liquidity
70
Efficiency
35
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.
Aurora, IL · Charter 63286
NCUA · 3 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 | -0.25% | -0.12% | -0.08% | -0.41% | -0.02% | +23 bps | |
| Return on Equity | -1.58% | -0.75% | -0.49% | -2.65% | -0.11% | +147 bps | |
| Net Interest Margin | 3.72% | 3.82% | 3.81% | 3.85% | 3.85% | +13 bps | |
| Efficiency Ratio | 97.27% | 96.88% | 97.40% | 90.17% | 90.74% | -653 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.14% | -0.62% | -1.00% | -1.73% | -1.43% | -129 bps | |
| Loan Growth (YoY) | -11.38% | -9.53% | -10.18% | -10.10% | -8.80% | +258 bps | |
| Share Growth (YoY) | 0.10% | -0.29% | -1.11% | -1.83% | -1.19% | -129 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.99% | 2.14% | 3.57% | 1.90% | 0.40% | -259 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 | 15.57% | 15.80% | 15.68% | 15.33% | 15.81% | +24 bps | |
| Net Worth / Assets | 15.57% | 15.80% | 15.68% | 15.33% | 15.81% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.22% | 42.10% | 40.67% | 38.52% | 38.97% | -325 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aurora, IL · Charter 63286 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.02%
Rank 73 of 96
Net Interest Margin
3.86%
Rank 41 of 96
Efficiency Ratio
90.74%
Rank 63 of 96
Equity / Assets
15.81%
Rank 42 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | -0.02% | 0.42% | 1.03% | Beats 24% | 73 / 96 | |
| Return on Equity | -0.11% | -0.11% | 2.94% | 6.89% | Beats 24% | 72 / 95 | |
| Net Interest Margin | 3.86% | 3.01% | 3.57% | 4.27% | Beats 57% | 41 / 96 | |
| Efficiency Ratio | 90.74% | 73.45% | 82.91% | 96.61% | Beats 35% | 63 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.08% | 0.86% | 1.63% | Beats 69% | 30 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.81% | 11.79% | 15.23% | 18.93% | Beats 56% | 42 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.81% | 11.79% | 15.23% | 18.93% | Beats 56% | 42 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.97% | 32.14% | 50.03% | 67.81% | 31st pctl | 66 / 96 | |
| Loans / Assets | 33.00% | 23.12% | 42.50% | 56.24% | 35th pctl | 62 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||