Lisle, IL · Charter 65421
NCUA · 4 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 the Chicago-Naperville-Elgin, IL-IN area (n=93 to 96). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
40
Profitability
49
Liquidity
0
Efficiency
56
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.
Lisle, IL · Charter 65421
NCUA · 4 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 | 0.62% | 0.62% | 0.54% | 0.44% | 0.45% | -17 bps | |
| Return on Equity | 4.37% | 4.30% | 3.79% | 3.08% | 3.10% | -128 bps | |
| Net Interest Margin | 3.39% | 3.43% | 3.42% | 3.35% | 3.44% | +5 bps | |
| Efficiency Ratio | 77.68% | 79.34% | 80.08% | 78.38% | 78.10% | +42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.34% | 1.34% | 3.15% | 2.42% | 1.29% | -305 bps | |
| Loan Growth (YoY) | 9.17% | 7.53% | 3.91% | 3.93% | 1.56% | -761 bps | |
| Share Growth (YoY) | 3.91% | -0.54% | 0.55% | 1.46% | 0.74% | -317 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.50% | 0.56% | 0.58% | 1.16% | +86 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 | 14.27% | 14.49% | 14.37% | 14.27% | 14.53% | +26 bps | |
| Net Worth / Assets | 14.27% | 14.49% | 14.37% | 14.27% | 14.53% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.36% | 86.53% | 84.75% | 83.08% | 85.04% | +68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lisle, IL · Charter 65421 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 4 branches
Q2 2026
Return on Assets
0.45%
Rank 47 of 96
Net Interest Margin
3.44%
Rank 54 of 96
Efficiency Ratio
78.10%
Rank 43 of 96
Equity / Assets
14.53%
Rank 53 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | -0.02% | 0.42% | 1.03% | Beats 51% | 47 / 96 | |
| Return on Equity | 3.10% | -0.11% | 2.94% | 6.89% | Beats 52% | 46 / 95 | |
| Net Interest Margin | 3.44% | 3.01% | 3.57% | 4.27% | Beats 44% | 54 / 96 | |
| Efficiency Ratio | 78.10% | 73.45% | 82.91% | 96.61% | Beats 56% | 43 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.16% | 0.08% | 0.86% | 1.63% | Beats 40% | 57 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.53% | 11.79% | 15.23% | 18.93% | Beats 45% | 53 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.53% | 11.79% | 15.23% | 18.93% | Beats 45% | 53 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.04% | 32.14% | 50.03% | 67.81% | 95th pctl | 5 / 96 | |
| Loans / Assets | 71.25% | 23.12% | 42.50% | 56.24% | 91st pctl | 9 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||