Bloomington, IL · Charter 64038
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
90
Asset Quality
8
Profitability
35
Liquidity
0
Efficiency
66
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 64038
NCUA · 2 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 | 0.57% | 0.54% | 0.31% | 0.41% | 0.94% | +36 bps | |
| Return on Equity | 3.19% | 2.87% | 1.68% | 2.25% | 4.80% | +161 bps | |
| Net Interest Margin | 2.55% | 2.69% | 2.76% | 2.45% | 3.07% | +52 bps | |
| Efficiency Ratio | 81.62% | 73.15% | 82.68% | 80.06% | 71.36% | -1,026 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.07% | -4.29% | -1.34% | -2.96% | -5.57% | +50 bps | |
| Loan Growth (YoY) | -13.48% | -16.88% | -15.46% | -19.54% | -20.15% | -666 bps | |
| Share Growth (YoY) | -7.28% | -5.69% | -2.11% | -4.06% | -7.47% | -19 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 1.35% | 1.22% | 0.61% | 3.28% | +294 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 | 17.99% | 18.96% | 18.50% | 18.03% | 19.54% | +155 bps | |
| Net Worth / Assets | 17.99% | 18.96% | 18.50% | 18.03% | 19.54% | +155 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.61% | 31.89% | 30.37% | 27.13% | 28.14% | -447 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomington, IL · Charter 64038 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
Return on Assets
0.94%
Rank 26 of 50
Net Interest Margin
3.07%
Rank 40 of 50
Efficiency Ratio
71.54%
Rank 18 of 50
Equity / Assets
19.54%
Rank 5 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.49% | 0.97% | 1.35% | Beats 48% | 26 / 50 | |
| Return on Equity | 4.81% | 3.76% | 7.55% | 10.28% | Beats 36% | 32 / 50 | |
| Net Interest Margin | 3.07% | 3.15% | 3.72% | 4.20% | Beats 20% | 40 / 50 | |
| Efficiency Ratio | 71.54% | 67.18% | 75.90% | 80.66% | Beats 66% | 18 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.28% | 0.14% | 0.47% | 0.87% | Beats 8% | 47 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.54% | 10.68% | 13.50% | 16.38% | Beats 90% | 5 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.54% | 10.68% | 13.50% | 16.38% | Beats 90% | 5 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 28.14% | 55.23% | 70.87% | 80.60% | 6th pctl | 47 / 50 | |
| Loans / Assets | 22.55% | 43.53% | 60.64% | 68.47% | 6th pctl | 47 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||