Spring Valley, IL · Charter 64731
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
97
Asset Quality
34
Profitability
45
Liquidity
0
Efficiency
32
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.
Spring Valley, IL · Charter 64731
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 | 2.04% | 0.93% | 1.99% | 1.56% | 1.28% | 0.57% | 0.75% | 0.56% | -100 bps | |
| Return on Equity | 7.41% | 3.37% | 6.73% | 5.36% | 4.28% | 1.93% | 2.41% | 1.86% | -350 bps | |
| Net Interest Margin | 5.32% | 4.92% | 6.16% | 5.34% | 5.24% | 4.75% | 5.19% | 4.51% | -83 bps | |
| Efficiency Ratio | 63.09% | 81.85% | 69.38% | 72.09% | 76.72% | 88.65% | 85.96% | 87.87% | +1,579 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.60% | -6.58% | -6.49% | -5.14% | -6.48% | -3.52% | -3.70% | -3.30% | +184 bps | |
| Loan Growth (YoY) | -14.14% | -12.10% | -23.28% | -19.49% | -20.68% | -27.65% | -13.14% | -19.03% | +46 bps | |
| Share Growth (YoY) | -12.91% | -9.69% | -9.79% | -8.26% | -9.26% | -5.88% | -5.52% | -4.41% | +384 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.58% | 10.04% | 5.48% | 9.48% | 5.18% | 4.04% | 0.36% | 1.07% | -841 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 | 10.33% | 10.50% | 8.51% | 8.66% | 9.72% | 11.20% | 10.88% | 11.95% | +329 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.54% | 27.72% | 29.49% | 29.14% | 29.81% | 29.38% | 30.97% | 30.27% | +112 bps | |
| Net Worth / Assets | 27.54% | 27.72% | 29.49% | 29.14% | 29.81% | 29.38% | 30.97% | 30.27% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 120.90% | 122.31% | 114.07% | 110.73% | 105.69% | 94.02% | 104.87% | 93.80% | -1,693 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spring Valley, IL · Charter 64731 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.51%
Rank 1,128 of 1,683
Net Interest Margin
4.57%
Rank 291 of 1,683
Efficiency Ratio
84.21%
Rank 1,151 of 1,682
Equity / Assets
30.24%
Rank 50 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,128 / 1,683 | ||
| Return on Equity | 1.68% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,371 / 1,681 | ||
| Net Interest Margin | 4.57% | 3.31% | 3.82% | 4.32% | Beats 83% | 291 / 1,683 | ||
| Efficiency Ratio | 84.21% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,151 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.97% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,113 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 30.24% | 10.44% | 12.89% | 16.53% | Beats 97% | 50 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 30.24% | 10.44% | 12.89% | 16.53% | Beats 97% | 50 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.80% | 52.61% | 69.38% | 83.50% | 92nd pctl | 139 / 1,683 | ||
| Loans / Assets | 65.31% | 44.71% | 59.18% | 70.72% | 63rd pctl | 623 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||