Normal, IL · Charter 64920
NCUA · 5 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
26
Asset Quality
46
Profitability
68
Liquidity
7
Efficiency
62
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.
Normal, IL · Charter 64920
NCUA · 5 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 | 0.70% | 0.63% | 0.67% | 1.00% | 0.97% | +27 bps | |
| Return on Equity | 6.54% | 5.79% | 6.40% | 9.70% | 9.02% | +248 bps | |
| Net Interest Margin | 4.56% | 4.57% | 4.32% | 4.81% | 4.77% | +21 bps | |
| Efficiency Ratio | 74.67% | 73.99% | 74.03% | 74.15% | 72.27% | -240 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.15% | 6.76% | 10.46% | 8.40% | 8.06% | -109 bps | |
| Loan Growth (YoY) | 17.99% | 20.81% | 10.34% | 12.66% | 13.71% | -428 bps | |
| Share Growth (YoY) | 9.22% | 6.80% | 10.78% | 8.37% | 8.07% | -115 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.62% | 0.43% | 0.46% | 0.54% | +3 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 | 10.73% | 10.94% | 10.54% | 10.35% | 10.74% | +2 bps | |
| Net Worth / Assets | 10.73% | 10.94% | 10.54% | 10.35% | 10.74% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.74% | 89.23% | 84.74% | 83.80% | 90.22% | +448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Normal, IL · Charter 64920 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 5 branches
Q2 2026
Return on Assets
0.97%
Rank 25 of 50
Net Interest Margin
4.77%
Rank 6 of 50
Efficiency Ratio
72.27%
Rank 20 of 50
Equity / Assets
10.74%
Rank 37 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.49% | 0.97% | 1.35% | Beats 50% | 25 / 50 | |
| Return on Equity | 9.02% | 3.76% | 7.55% | 10.28% | Beats 66% | 17 / 50 | |
| Net Interest Margin | 4.77% | 3.15% | 3.72% | 4.20% | Beats 88% | 6 / 50 | |
| Efficiency Ratio | 72.27% | 67.18% | 75.90% | 80.66% | Beats 62% | 20 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.14% | 0.47% | 0.87% | Beats 46% | 28 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.74% | 10.68% | 13.50% | 16.38% | Beats 26% | 37 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.74% | 10.68% | 13.50% | 16.38% | Beats 26% | 37 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.22% | 55.23% | 70.87% | 80.60% | 80th pctl | 10 / 50 | |
| Loans / Assets | 79.57% | 43.53% | 60.64% | 68.47% | 94th pctl | 3 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||