PackageTrendsPeer
Letter portraitLegal landscape

Cooperative Choice Network

Peoria, IL · Charter 63783

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in IL3

Basis

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.

Peer group

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.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

64

Q2 2024Q2 2026peer median (50)

Profitability

14

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cooperative Choice Network

Peoria, IL · Charter 63783

NCUA · 5 branches

Q2 2026

$205.9MAssets
$109.9MLoans
$180.3MShares
$26.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.33%, up 9 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.37% of loans (-6 bps YoY).
  • Capital: net worth / assets of 12.72%, up 15 bps from a year ago.
  • Funding: loans stand at 60.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.33%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+24 bps YoY

Efficiency Ratio (YTD, annualized)

82.03%-196 bps YoY

Net Worth / Assets

12.72%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.37%0.37%0.30%0.33%+9 bps
Return on Equity1.96%2.85%2.89%2.42%2.62%+66 bps
Net Interest Margin2.66%2.80%2.80%2.82%2.90%+24 bps
Efficiency Ratio83.98%80.62%80.53%82.33%82.03%-196 bps
Growth
Asset Growth (YoY)21.06%20.42%3.30%1.41%1.93%-1,913 bps
Loan Growth (YoY)9.64%11.84%3.02%1.21%-0.89%-1,053 bps
Share Growth (YoY)21.94%20.70%3.14%1.03%1.77%-2,017 bps
Asset Quality
Delinquent Loans / Loans0.43%0.41%0.40%0.31%0.37%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.57%12.93%12.81%12.55%12.72%+15 bps
Net Worth / Assets12.57%12.93%12.81%12.55%12.72%+15 bps
Liquidity & Funding
Loans / Shares62.61%64.70%63.57%60.78%60.97%-164 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cooperative Choice Network

Peoria, IL · Charter 63783 · Peer group: credit unions under $1B in assets in IL (n=50)

NCUA · 5 branches

Q2 2026

$205.9MAssets
$109.9MLoans
$180.3MShares
$26.2MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 64% of credit unions under $1B in assets in IL (rank 19 of 50).
  • Widest gap: net interest margin trails 88% of credit unions under $1B in assets in IL (rank 44 of 50).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.33%

Rank 43 of 50

Net Interest Margin

2.90%

Rank 44 of 50

Efficiency Ratio

82.02%

Rank 41 of 50

Equity / Assets

12.72%

Rank 28 of 50

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.33%0.49%0.97%1.35%Beats 14%43 / 50
Return on Equity2.62%3.76%7.55%10.28%Beats 16%42 / 50
Net Interest Margin2.90%3.15%3.72%4.20%Beats 12%44 / 50
Efficiency Ratio82.02%67.18%75.90%80.66%Beats 20%41 / 50
Asset Quality
Nonperforming Loans / Loans0.37%0.14%0.47%0.87%Beats 64%19 / 50
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.72%10.68%13.50%16.38%Beats 44%28 / 50
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.72%10.68%13.50%16.38%Beats 44%28 / 50
Liquidity & Funding
Loans / Deposits60.97%55.23%70.87%80.60%34th pctl33 / 50
Loans / Assets53.37%43.53%60.64%68.47%38th pctl31 / 50
Brokered Deposits / Depositsn/aNot reported for this institution