Rock Island, IL · Charter 65003
NCUA · 2 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
16
Asset Quality
62
Profitability
47
Liquidity
84
Efficiency
58
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.
Rock Island, IL · Charter 65003
NCUA · 2 branches
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 | 0.48% | 0.32% | 0.66% | 0.85% | 0.90% | 0.60% | 0.67% | 1.00% | +15 bps | |
| Return on Equity | 4.66% | 3.22% | 6.61% | 8.30% | 8.64% | 5.96% | 6.74% | 9.67% | +137 bps | |
| Net Interest Margin | 2.65% | 2.63% | 2.70% | 2.76% | 2.83% | 2.65% | 2.98% | 3.04% | +28 bps | |
| Efficiency Ratio | 81.45% | 85.03% | 81.05% | 77.06% | 75.54% | 80.55% | 76.67% | 72.49% | -457 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.24% | 4.51% | 3.72% | 4.36% | 4.84% | 5.19% | 5.19% | 5.24% | +88 bps | |
| Loan Growth (YoY) | 6.56% | 4.97% | 2.68% | 3.89% | 1.34% | 3.83% | 5.20% | 5.69% | +180 bps | |
| Share Growth (YoY) | 4.01% | 3.23% | 3.04% | 3.29% | 3.90% | 3.22% | 4.33% | 4.61% | +132 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.63% | 0.45% | 0.61% | 0.70% | 0.67% | 0.27% | 0.38% | -23 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 | 10.24% | 10.07% | 9.93% | 10.18% | 10.38% | 10.14% | 10.00% | 10.32% | +14 bps | |
| Net Worth / Assets | 10.24% | 10.07% | 9.93% | 10.18% | 10.38% | 10.14% | 10.00% | 10.32% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.48% | 74.68% | 71.50% | 73.50% | 73.63% | 75.12% | 72.09% | 74.26% | +76 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rock Island, IL · Charter 65003 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
Return on Assets
1.00%
Rank 24 of 50
Net Interest Margin
3.04%
Rank 41 of 50
Efficiency Ratio
72.51%
Rank 22 of 50
Equity / Assets
10.32%
Rank 42 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.49% | 0.97% | 1.35% | Beats 52% | 24 / 50 | ||
| Return on Equity | 9.68% | 3.76% | 7.55% | 10.28% | Beats 70% | 15 / 50 | ||
| Net Interest Margin | 3.04% | 3.15% | 3.72% | 4.20% | Beats 18% | 41 / 50 | ||
| Efficiency Ratio | 72.51% | 67.18% | 75.90% | 80.66% | Beats 58% | 22 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.38% | 0.14% | 0.47% | 0.87% | Beats 62% | 20 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.32% | 10.68% | 13.50% | 16.38% | Beats 16% | 42 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.32% | 10.68% | 13.50% | 16.38% | Beats 16% | 42 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.26% | 55.23% | 70.87% | 80.60% | 60th pctl | 20 / 50 | ||
| Loans / Assets | 66.14% | 43.53% | 60.64% | 68.47% | 66th pctl | 17 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||