Joliet, IL · Charter 65555
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 the Fort Wayne, IN area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
100
Profitability
56
Liquidity
46
Efficiency
95
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.
Joliet, IL · Charter 65555
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 | 0.96% | 1.08% | -2.75% | 1.16% | 1.40% | 1.03% | 1.67% | 1.59% | +44 bps | |
| Return on Equity | 8.72% | 9.25% | -25.19% | 10.38% | 12.72% | 9.10% | 14.74% | 13.79% | +341 bps | |
| Net Interest Margin | 3.14% | 3.35% | 3.24% | 3.12% | 3.25% | 2.97% | 3.55% | 3.28% | +16 bps | |
| Efficiency Ratio | 69.55% | 68.01% | 65.11% | 63.01% | 57.15% | 65.55% | 53.22% | 51.56% | -1,145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.92% | -3.37% | -6.14% | -3.09% | 5.51% | 6.83% | 10.52% | 10.57% | +1,366 bps | |
| Loan Growth (YoY) | -4.05% | -4.30% | -5.07% | -0.45% | 4.81% | 8.84% | 11.24% | 7.07% | +751 bps | |
| Share Growth (YoY) | -4.12% | -4.91% | -7.09% | -3.72% | 5.53% | 7.28% | 10.07% | 10.04% | +1,376 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 1.47% | 0.02% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | -2 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 | 0.17% | 0.17% | 0.17% | 0.33% | 0.36% | 0.34% | 0.34% | 0.33% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.00% | 11.64% | 10.94% | 11.13% | 10.98% | 11.27% | 11.30% | 11.56% | +43 bps | |
| Net Worth / Assets | 11.00% | 11.64% | 10.94% | 11.13% | 10.98% | 11.27% | 11.30% | 11.56% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.69% | 78.25% | 76.42% | 79.38% | 77.16% | 79.40% | 77.23% | 77.24% | -215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Joliet, IL · Charter 65555 · Peer group: credit unions under $1B in assets in the Fort Wayne, IN area (n=19)
NCUA · 1 branch
Q2 2026
Return on Assets
1.59%
Rank 4 of 19
Net Interest Margin
3.27%
Rank 16 of 19
Efficiency Ratio
51.47%
Rank 2 of 19
Equity / Assets
11.56%
Rank 10 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.59% | -0.27% | 1.22% | 1.52% | Beats 79% | 4 / 19 | ||
| Return on Equity | 13.75% | -2.41% | 9.38% | 13.75% | Beats 74% | 5 / 19 | ||
| Net Interest Margin | 3.27% | 3.49% | 3.77% | 4.18% | Beats 16% | 16 / 19 | ||
| Efficiency Ratio | 51.47% | 68.63% | 79.83% | 95.74% | Beats 95% | 2 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.38% | 0.61% | 1.20% | Beats 100% | 2 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.56% | 10.00% | 11.56% | 13.69% | Beats 47% | 10 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.56% | 10.00% | 11.56% | 13.69% | Beats 47% | 10 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.23% | 49.95% | 68.70% | 81.33% | 68th pctl | 6 / 19 | ||
| Loans / Assets | 68.30% | 39.83% | 58.83% | 70.01% | 63rd pctl | 7 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||