Bloomington, IL · Charter 63541
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 IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
16
Profitability
34
Liquidity
100
Efficiency
46
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.
Bloomington, IL · Charter 63541
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 | 0.37% | 0.56% | 0.57% | 0.44% | 0.40% | +3 bps | |
| Return on Equity | 4.99% | 7.33% | 7.35% | 5.75% | 5.13% | +14 bps | |
| Net Interest Margin | 3.63% | 3.67% | 3.73% | 3.61% | 3.62% | -1 bps | |
| Efficiency Ratio | 81.24% | 79.51% | 79.43% | 76.52% | 77.52% | -372 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.50% | 9.78% | 4.43% | 3.16% | 3.29% | -122 bps | |
| Loan Growth (YoY) | -2.42% | 7.03% | 9.77% | 9.16% | 2.65% | +507 bps | |
| Share Growth (YoY) | 4.69% | 9.69% | 3.99% | 2.61% | 2.76% | -192 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.61% | 1.47% | 2.01% | 1.72% | 1.85% | +24 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 | 7.46% | 7.58% | 7.78% | 7.70% | 7.80% | +34 bps | |
| Net Worth / Assets | 7.46% | 7.58% | 7.78% | 7.70% | 7.80% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.95% | 74.72% | 74.89% | 71.31% | 70.87% | -8 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomington, IL · Charter 63541 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
0.40%
Rank 39 of 50
Net Interest Margin
3.62%
Rank 29 of 50
Efficiency Ratio
77.54%
Rank 28 of 50
Equity / Assets
7.80%
Rank 49 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.49% | 0.97% | 1.35% | Beats 22% | 39 / 50 | |
| Return on Equity | 5.12% | 3.76% | 7.55% | 10.28% | Beats 38% | 31 / 50 | |
| Net Interest Margin | 3.62% | 3.15% | 3.72% | 4.20% | Beats 42% | 29 / 50 | |
| Efficiency Ratio | 77.54% | 67.18% | 75.90% | 80.66% | Beats 46% | 28 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.85% | 0.14% | 0.47% | 0.87% | Beats 16% | 43 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.80% | 10.68% | 13.50% | 16.38% | Beats 2% | 49 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.80% | 10.68% | 13.50% | 16.38% | Beats 2% | 49 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.87% | 55.23% | 70.87% | 80.60% | 50th pctl | 25 / 50 | |
| Loans / Assets | 64.94% | 43.53% | 60.64% | 68.47% | 62nd pctl | 19 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||