Aurora, IL · Charter 65906
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 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
81
Asset Quality
9
Profitability
49
Liquidity
0
Efficiency
23
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.
Aurora, IL · Charter 65906
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 | 1.37% | 1.60% | 1.28% | 0.91% | 1.11% | 0.67% | 3.18% | 0.15% | -76 bps | |
| Return on Equity | 6.68% | 7.88% | 6.36% | 4.53% | 5.40% | 3.24% | 14.95% | 0.71% | -382 bps | |
| Net Interest Margin | 4.92% | 4.29% | 6.15% | 5.35% | 5.56% | 5.53% | 7.22% | 5.65% | +30 bps | |
| Efficiency Ratio | 72.54% | 63.40% | 79.56% | 83.34% | 80.41% | 88.00% | 65.85% | 97.40% | +1,406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.80% | -8.46% | -6.26% | -2.54% | 0.99% | 1.05% | -0.16% | -2.65% | -11 bps | |
| Loan Growth (YoY) | -5.86% | -8.42% | -13.48% | -12.37% | -9.77% | -7.80% | -8.85% | -11.18% | +119 bps | |
| Share Growth (YoY) | -11.20% | -10.70% | -8.05% | -4.24% | 0.75% | 0.06% | -1.72% | -4.47% | -23 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.35% | 2.63% | 2.24% | 5.36% | 6.44% | 6.63% | 2.50% | 6.11% | +75 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 | 2.49% | 3.04% | 3.38% | 3.09% | 3.24% | 2.90% | 1.44% | 2.02% | -107 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.56% | 20.31% | 20.11% | 20.00% | 20.46% | 20.77% | 21.28% | 20.82% | +83 bps | |
| Net Worth / Assets | 20.56% | 20.31% | 20.11% | 20.00% | 20.46% | 20.77% | 21.28% | 20.82% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.93% | 95.30% | 86.51% | 90.87% | 87.70% | 87.81% | 80.23% | 84.49% | -638 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aurora, IL · Charter 65906 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
Return on Assets
0.10%
Rank 70 of 96
Net Interest Margin
5.70%
Rank 6 of 96
Efficiency Ratio
98.18%
Rank 75 of 96
Equity / Assets
20.82%
Rank 18 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.10% | -0.02% | 0.42% | 1.03% | Beats 27% | 70 / 96 | ||
| Return on Equity | 0.50% | -0.11% | 2.94% | 6.89% | Beats 27% | 69 / 95 | ||
| Net Interest Margin | 5.70% | 3.01% | 3.57% | 4.27% | Beats 94% | 6 / 96 | ||
| Efficiency Ratio | 98.18% | 73.45% | 82.91% | 96.61% | Beats 23% | 75 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.14% | 0.08% | 0.86% | 1.63% | Beats 9% | 86 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.82% | 11.79% | 15.23% | 18.93% | Beats 81% | 18 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.82% | 11.79% | 15.23% | 18.93% | Beats 81% | 18 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.51% | 32.14% | 50.03% | 67.81% | 93rd pctl | 7 / 96 | ||
| Loans / Assets | 65.82% | 23.12% | 42.50% | 56.24% | 83rd pctl | 16 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||