Kankakee, IL · Charter 63791
NCUA · 2 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 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
28
Asset Quality
22
Profitability
58
Liquidity
8
Efficiency
60
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.
Kankakee, IL · Charter 63791
NCUA · 2 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 | 1.20% | 1.22% | 0.86% | 1.30% | 1.47% | 1.40% | 1.17% | 1.17% | -13 bps | |
| Return on Equity | 10.63% | 10.93% | 7.96% | 11.63% | 12.41% | 12.00% | 10.65% | 10.81% | -82 bps | |
| Net Interest Margin | 3.67% | 3.58% | 3.67% | 3.72% | 3.83% | 3.69% | 3.31% | 3.35% | -38 bps | |
| Efficiency Ratio | 73.33% | 71.66% | 77.72% | 69.98% | 68.06% | 68.82% | 71.85% | 72.50% | +252 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.23% | 1.31% | 5.42% | 6.12% | 8.01% | 7.96% | 12.64% | 15.90% | +978 bps | |
| Loan Growth (YoY) | 6.33% | 7.10% | 7.13% | 4.74% | -0.89% | -6.51% | -3.49% | -4.66% | -940 bps | |
| Share Growth (YoY) | -1.73% | 0.91% | 5.52% | 6.72% | 8.27% | 7.22% | 12.84% | 15.95% | +923 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.67% | 0.76% | 1.32% | 1.15% | 1.42% | 1.13% | 1.37% | +4 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 | 11.27% | 11.14% | 10.83% | 11.18% | 11.83% | 11.68% | 10.96% | 10.87% | -31 bps | |
| Net Worth / Assets | 11.27% | 11.14% | 10.83% | 11.18% | 11.83% | 11.68% | 10.96% | 10.87% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.55% | 56.41% | 52.96% | 52.19% | 52.68% | 49.18% | 45.30% | 42.92% | -928 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kankakee, IL · Charter 63791 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
Return on Assets
1.17%
Rank 17 of 50
Net Interest Margin
3.35%
Rank 34 of 50
Efficiency Ratio
72.45%
Rank 21 of 50
Equity / Assets
10.87%
Rank 36 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.49% | 0.97% | 1.35% | Beats 66% | 17 / 50 | ||
| Return on Equity | 10.80% | 3.76% | 7.55% | 10.28% | Beats 76% | 12 / 50 | ||
| Net Interest Margin | 3.35% | 3.15% | 3.72% | 4.20% | Beats 32% | 34 / 50 | ||
| Efficiency Ratio | 72.45% | 67.18% | 75.90% | 80.66% | Beats 60% | 21 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.37% | 0.14% | 0.47% | 0.87% | Beats 22% | 40 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.87% | 10.68% | 13.50% | 16.38% | Beats 28% | 36 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.87% | 10.68% | 13.50% | 16.38% | Beats 28% | 36 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.92% | 55.23% | 70.87% | 80.60% | 16th pctl | 42 / 50 | ||
| Loans / Assets | 38.31% | 43.53% | 60.64% | 68.47% | 14th pctl | 43 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||