Machesney Park, IL · Charter 64948
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
72
Asset Quality
84
Profitability
57
Liquidity
4
Efficiency
24
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.
Machesney Park, IL · Charter 64948
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 | 1.88% | 0.19% | 1.33% | 1.25% | 1.26% | 0.25% | 1.03% | 0.90% | -35 bps | |
| Return on Equity | 11.09% | 1.23% | 8.54% | 7.74% | 7.74% | 1.63% | 6.65% | 5.60% | -215 bps | |
| Net Interest Margin | 5.10% | 3.60% | 4.40% | 4.51% | 4.66% | 3.72% | 4.50% | 4.46% | -5 bps | |
| Efficiency Ratio | 65.38% | 94.90% | 71.70% | 74.11% | 74.64% | 93.77% | 78.34% | 81.28% | +717 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.03% | 2.35% | -0.68% | -0.81% | 2.83% | 2.20% | 1.64% | 0.49% | +130 bps | |
| Loan Growth (YoY) | -5.34% | -5.08% | -3.59% | -4.54% | -7.28% | -10.45% | -12.56% | -13.50% | -897 bps | |
| Share Growth (YoY) | -1.08% | 2.48% | -0.92% | -0.96% | 3.65% | 2.22% | 1.63% | 0.40% | +136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.49% | 0.59% | 0.44% | 0.42% | 0.02% | 0.02% | 0.02% | -42 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.00% | 15.44% | 15.59% | 16.16% | 16.29% | 15.35% | 15.52% | 16.17% | +1 bps | |
| Net Worth / Assets | 17.00% | 15.44% | 15.59% | 16.16% | 16.29% | 15.35% | 15.52% | 16.17% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.92% | 48.75% | 48.30% | 48.25% | 45.55% | 42.70% | 41.56% | 41.57% | -668 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Machesney Park, IL · Charter 64948 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
0.90%
Rank 28 of 50
Net Interest Margin
4.46%
Rank 8 of 50
Efficiency Ratio
81.28%
Rank 39 of 50
Equity / Assets
16.17%
Rank 14 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.49% | 0.97% | 1.35% | Beats 44% | 28 / 50 | ||
| Return on Equity | 5.60% | 3.76% | 7.55% | 10.28% | Beats 42% | 29 / 50 | ||
| Net Interest Margin | 4.46% | 3.15% | 3.72% | 4.20% | Beats 84% | 8 / 50 | ||
| Efficiency Ratio | 81.28% | 67.18% | 75.90% | 80.66% | Beats 24% | 39 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.14% | 0.47% | 0.87% | Beats 84% | 9 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.17% | 10.68% | 13.50% | 16.38% | Beats 72% | 14 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.17% | 10.68% | 13.50% | 16.38% | Beats 72% | 14 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.57% | 55.23% | 70.87% | 80.60% | 12th pctl | 44 / 50 | ||
| Loans / Assets | 34.74% | 43.53% | 60.64% | 68.47% | 10th pctl | 45 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||