Champaign, IL · Charter 65186
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
38
Asset Quality
14
Profitability
71
Liquidity
30
Efficiency
42
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.
Champaign, IL · Charter 65186
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 | 1.55% | 1.28% | 0.79% | 0.03% | 0.28% | 0.61% | 0.98% | 1.25% | +122 bps | |
| Return on Equity | 11.58% | 10.34% | 6.88% | 0.27% | 2.26% | 4.57% | 8.11% | 10.22% | +995 bps | |
| Net Interest Margin | 4.71% | 4.41% | 3.60% | 3.89% | 3.71% | 4.38% | 3.86% | 4.21% | +32 bps | |
| Efficiency Ratio | 62.82% | 64.15% | 74.07% | 81.62% | 79.40% | 76.58% | 81.50% | 78.03% | -359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.32% | 7.87% | 8.39% | 2.41% | 1.57% | -8.71% | -9.03% | 1.40% | -100 bps | |
| Loan Growth (YoY) | 9.00% | 5.41% | 2.27% | 1.57% | 2.11% | 4.76% | 1.53% | -2.91% | -448 bps | |
| Share Growth (YoY) | 0.30% | 6.40% | 9.33% | 3.45% | -2.88% | -9.65% | -9.75% | 1.53% | -192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.40% | 4.58% | 4.70% | 2.74% | 2.30% | 2.09% | 1.67% | 1.85% | -89 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 | 13.34% | 12.42% | 11.46% | 12.39% | 12.42% | 13.25% | 12.04% | 12.26% | -12 bps | |
| Net Worth / Assets | 13.34% | 12.42% | 11.46% | 12.39% | 12.42% | 13.25% | 12.04% | 12.26% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.70% | 48.44% | 46.33% | 51.76% | 54.36% | 56.17% | 52.12% | 49.50% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Champaign, IL · Charter 65186 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
Return on Assets
1.25%
Rank 16 of 50
Net Interest Margin
4.20%
Rank 13 of 50
Efficiency Ratio
78.06%
Rank 30 of 50
Equity / Assets
12.26%
Rank 31 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.49% | 0.97% | 1.35% | Beats 68% | 16 / 50 | ||
| Return on Equity | 10.20% | 3.76% | 7.55% | 10.28% | Beats 72% | 14 / 50 | ||
| Net Interest Margin | 4.20% | 3.15% | 3.72% | 4.20% | Beats 74% | 13 / 50 | ||
| Efficiency Ratio | 78.06% | 67.18% | 75.90% | 80.66% | Beats 42% | 30 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.85% | 0.14% | 0.47% | 0.87% | Beats 14% | 44 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.26% | 10.68% | 13.50% | 16.38% | Beats 38% | 31 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.26% | 10.68% | 13.50% | 16.38% | Beats 38% | 31 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.50% | 55.23% | 70.87% | 80.60% | 18th pctl | 41 / 50 | ||
| Loans / Assets | 43.23% | 43.53% | 60.64% | 68.47% | 22nd pctl | 39 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||