Chicago, IL · Charter 64252
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 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
92
Asset Quality
28
Profitability
69
Liquidity
21
Efficiency
61
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.
Chicago, IL · Charter 64252
NCUA · 1 branch
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 | 1.65% | 0.99% | 1.96% | 0.43% | 0.60% | 2.72% | -2.45% | 2.05% | +161 bps | |
| Return on Equity | 4.99% | 2.98% | 7.45% | 1.69% | 2.29% | 9.50% | -8.90% | 7.73% | +604 bps | |
| Net Interest Margin | 4.16% | 2.96% | 3.12% | 3.22% | 3.39% | 2.32% | 3.91% | 3.29% | +7 bps | |
| Efficiency Ratio | 68.11% | 83.54% | 65.96% | 90.80% | 92.30% | 81.67% | 151.63% | 75.44% | -1,536 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.81% | 6.20% | 37.85% | 33.97% | 27.90% | 26.16% | -3.36% | 3.82% | -3,015 bps | |
| Loan Growth (YoY) | -1.71% | -24.88% | -22.57% | 5.79% | 12.79% | 15.11% | -18.90% | -25.27% | -3,106 bps | |
| Share Growth (YoY) | 7.81% | 9.58% | 11.74% | 11.53% | 10.18% | 17.09% | 15.19% | 15.73% | +420 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.32% | 1.26% | +126 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 | 9.73% | 8.91% | 9.42% | 7.79% | 8.05% | 8.36% | 11.75% | 10.42% | +263 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.99% | 33.29% | 26.27% | 25.49% | 26.10% | 28.64% | 27.55% | 26.44% | +96 bps | |
| Net Worth / Assets | 32.99% | 33.29% | 26.27% | 25.49% | 26.10% | 28.64% | 27.55% | 26.44% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.82% | 28.97% | 28.28% | 33.13% | 31.55% | 28.49% | 19.91% | 21.39% | -1,174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 64252 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
Return on Assets
2.11%
Rank 6 of 96
Net Interest Margin
3.26%
Rank 63 of 96
Efficiency Ratio
76.74%
Rank 38 of 96
Equity / Assets
26.44%
Rank 8 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.11% | -0.02% | 0.42% | 1.03% | Beats 94% | 6 / 96 | ||
| Return on Equity | 7.97% | -0.11% | 2.94% | 6.89% | Beats 80% | 19 / 95 | ||
| Net Interest Margin | 3.26% | 3.01% | 3.57% | 4.27% | Beats 34% | 63 / 96 | ||
| Efficiency Ratio | 76.74% | 73.45% | 82.91% | 96.61% | Beats 61% | 38 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.52% | 0.08% | 0.86% | 1.63% | Beats 28% | 68 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.44% | 11.79% | 15.23% | 18.93% | Beats 92% | 8 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.44% | 11.79% | 15.23% | 18.93% | Beats 92% | 8 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 21.39% | 32.14% | 50.03% | 67.81% | 11th pctl | 85 / 96 | ||
| Loans / Assets | 12.64% | 23.12% | 42.50% | 56.24% | 13th pctl | 84 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||