Urbana, IL · Charter 64568
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
70
Asset Quality
10
Profitability
85
Liquidity
49
Efficiency
68
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.
Urbana, IL · Charter 64568
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 | 1.88% | 1.98% | 1.80% | 1.77% | 1.66% | -23 bps | |
| Return on Equity | 12.64% | 13.77% | 12.53% | 12.35% | 10.82% | -181 bps | |
| Net Interest Margin | 5.41% | 5.17% | 4.83% | 5.04% | 4.99% | -42 bps | |
| Efficiency Ratio | 67.08% | 63.67% | 64.87% | 66.82% | 68.89% | +182 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.33% | 12.93% | 17.14% | 13.32% | 10.20% | +586 bps | |
| Loan Growth (YoY) | 0.73% | -12.42% | -10.43% | -9.77% | -0.13% | -86 bps | |
| Share Growth (YoY) | 2.51% | 12.57% | 17.63% | 13.39% | 9.67% | +716 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.44% | 2.19% | 1.57% | 3.46% | 3.18% | +174 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.56% | 2.96% | 2.48% | 2.61% | 2.16% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.89% | 14.41% | 14.33% | 14.35% | 15.30% | +41 bps | |
| Net Worth / Assets | 14.89% | 14.41% | 14.33% | 14.35% | 15.30% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.41% | 74.31% | 71.75% | 69.66% | 81.42% | -799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Urbana, IL · Charter 64568 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
1.67%
Rank 9 of 50
Net Interest Margin
4.98%
Rank 4 of 50
Efficiency Ratio
69.23%
Rank 17 of 50
Equity / Assets
15.30%
Rank 15 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.67% | 0.49% | 0.97% | 1.35% | Beats 82% | 9 / 50 | |
| Return on Equity | 10.93% | 3.76% | 7.55% | 10.28% | Beats 80% | 10 / 50 | |
| Net Interest Margin | 4.98% | 3.15% | 3.72% | 4.20% | Beats 92% | 4 / 50 | |
| Efficiency Ratio | 69.23% | 67.18% | 75.90% | 80.66% | Beats 68% | 17 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.19% | 0.14% | 0.47% | 0.87% | Beats 10% | 46 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.30% | 10.68% | 13.50% | 16.38% | Beats 70% | 15 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.30% | 10.68% | 13.50% | 16.38% | Beats 70% | 15 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.44% | 55.23% | 70.87% | 80.60% | 76th pctl | 12 / 50 | |
| Loans / Assets | 68.98% | 43.53% | 60.64% | 68.47% | 76th pctl | 12 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||