Chicago, IL · Charter 65843
NCUA · 2 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=94 to 97). 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
77
Profitability
58
Liquidity
73
Efficiency
46
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.
Chicago, IL · Charter 65843
NCUA · 2 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.09% | 0.06% | 0.11% | 0.26% | 0.31% | 0.22% | 0.50% | +39 bps | |
| Return on Equity | 0.28% | 0.69% | 0.47% | 0.85% | 1.92% | 2.27% | 1.57% | 3.46% | +261 bps | |
| Net Interest Margin | 3.13% | 3.00% | 3.08% | 3.23% | 3.40% | 3.57% | 3.72% | 3.87% | +64 bps | |
| Efficiency Ratio | 87.79% | 88.32% | 91.09% | 95.44% | 92.32% | 90.98% | 92.81% | 87.39% | -805 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.85% | 1.59% | 7.08% | 5.58% | 2.34% | -2.92% | -3.42% | -7.09% | -1,267 bps | |
| Loan Growth (YoY) | 3.35% | 1.56% | -3.19% | -5.61% | -6.33% | -9.60% | -11.20% | -11.84% | -623 bps | |
| Share Growth (YoY) | -1.58% | 0.69% | 8.27% | 6.14% | 2.51% | -3.20% | -4.38% | -8.24% | -1,439 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.67% | 0.84% | 0.91% | 0.88% | 0.94% | 0.26% | 0.10% | -80 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 | 13.76% | 13.35% | 13.44% | 13.26% | 13.50% | 13.84% | 14.01% | 14.46% | +121 bps | |
| Net Worth / Assets | 13.76% | 13.35% | 13.44% | 13.26% | 13.50% | 13.84% | 14.01% | 14.46% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.56% | 63.38% | 63.49% | 60.38% | 59.90% | 59.19% | 58.96% | 58.01% | -237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 65843 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=94-97)
NCUA · 2 branches
Q1 2026
Return on Assets
0.50%
Rank 42 of 97
Net Interest Margin
3.87%
Rank 35 of 97
Efficiency Ratio
87.43%
Rank 53 of 96
Equity / Assets
14.46%
Rank 51 of 97
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | -0.26% | 0.33% | 1.05% | Beats 57% | 42 / 97 | ||
| Return on Equity | 3.43% | -1.79% | 2.87% | 6.61% | Beats 54% | 45 / 97 | ||
| Net Interest Margin | 3.87% | 2.96% | 3.50% | 4.26% | Beats 64% | 35 / 97 | ||
| Efficiency Ratio | 87.43% | 73.36% | 85.61% | 98.06% | Beats 46% | 53 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.25% | 0.79% | 1.73% | Beats 77% | 23 / 94 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.46% | 11.53% | 14.93% | 18.56% | Beats 47% | 51 / 97 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.46% | 11.51% | 14.93% | 18.52% | Beats 47% | 51 / 97 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.01% | 34.77% | 50.40% | 66.58% | 66th pctl | 33 / 97 | ||
| Loans / Assets | 49.42% | 25.05% | 42.65% | 55.21% | 64th pctl | 35 / 97 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||