Peoria, IL · Charter 65905
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 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
96
Asset Quality
100
Profitability
21
Liquidity
0
Efficiency
4
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.
Peoria, IL · Charter 65905
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 | 0.48% | 0.42% | 0.05% | -2.97% | -0.06% | -0.25% | -0.62% | -0.66% | +231 bps | |
| Return on Equity | 1.12% | 0.97% | 0.13% | -6.95% | -0.14% | -0.58% | -1.43% | -1.55% | +541 bps | |
| Net Interest Margin | 4.38% | 4.39% | 4.03% | 0.08% | 4.06% | 4.17% | 4.06% | 3.95% | +387 bps | |
| Efficiency Ratio | 89.69% | 90.99% | 98.69% | 341% | 101.35% | 105.77% | 114.68% | 116.15% | -22,473 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.93% | -4.20% | -3.08% | -3.50% | 1.88% | -1.54% | -2.57% | -2.16% | +134 bps | |
| Loan Growth (YoY) | 15.30% | 6.13% | 4.12% | 7.48% | 7.50% | 4.98% | 0.97% | -9.33% | -1,681 bps | |
| Share Growth (YoY) | -9.04% | -7.74% | -5.63% | -7.02% | 3.27% | -2.26% | -3.74% | -1.87% | +515 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | -1 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 | 0.40% | 0.46% | 0.48% | 0.50% | 0.53% | 0.60% | 0.62% | 0.69% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 42.90% | 42.91% | 42.31% | 42.73% | 42.12% | 43.33% | 43.00% | 42.56% | -17 bps | |
| Net Worth / Assets | 42.90% | 42.91% | 42.31% | 42.73% | 42.12% | 43.33% | 43.00% | 42.56% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.23% | 91.59% | 94.83% | 99.29% | 98.09% | 98.38% | 99.47% | 91.74% | -755 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Peoria, IL · Charter 65905 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.67%
Rank 49 of 50
Net Interest Margin
3.93%
Rank 20 of 50
Efficiency Ratio
116.39%
Rank 49 of 50
Equity / Assets
42.55%
Rank 2 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.67% | 0.49% | 0.97% | 1.35% | Beats 2% | 49 / 50 | ||
| Return on Equity | -1.57% | 3.76% | 7.55% | 10.28% | Beats 2% | 49 / 50 | ||
| Net Interest Margin | 3.93% | 3.15% | 3.72% | 4.20% | Beats 60% | 20 / 50 | ||
| Efficiency Ratio | 116.39% | 67.18% | 75.90% | 80.66% | Beats 4% | 49 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.47% | 0.87% | Beats 100% | 7 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 42.55% | 10.68% | 13.50% | 16.38% | Beats 96% | 2 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 42.55% | 10.68% | 13.50% | 16.38% | Beats 96% | 2 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.74% | 55.23% | 70.87% | 80.60% | 88th pctl | 6 / 50 | ||
| Loans / Assets | 52.70% | 43.53% | 60.64% | 68.47% | 36th pctl | 32 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||