Aledo, IL · Charter 65995
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
64
Asset Quality
20
Profitability
8
Liquidity
54
Efficiency
14
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.
Aledo, IL · Charter 65995
NCUA · 1 branch
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 | 0.80% | 1.13% | 0.59% | -1.10% | 0.32% | -48 bps | |
| Return on Equity | 5.17% | 7.02% | 3.80% | -7.28% | 2.13% | -304 bps | |
| Net Interest Margin | 2.95% | 3.21% | 3.04% | 1.43% | 2.46% | -49 bps | |
| Efficiency Ratio | 73.45% | 65.46% | 81.04% | 175.07% | 87.35% | +1,390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.09% | -5.61% | -3.27% | 2.39% | 5.04% | +1,214 bps | |
| Loan Growth (YoY) | -6.35% | -4.16% | -6.55% | -6.61% | -3.34% | +300 bps | |
| Share Growth (YoY) | -8.92% | -7.20% | -4.19% | 2.66% | 5.83% | +1,475 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.99% | 0.07% | 1.24% | 1.44% | 1.61% | -138 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.69% | 0.72% | 0.75% | 0.70% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.40% | 16.04% | 15.40% | 15.12% | 14.90% | -49 bps | |
| Net Worth / Assets | 15.40% | 16.04% | 15.40% | 15.12% | 14.90% | -49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.19% | 88.70% | 82.17% | 74.82% | 80.55% | -764 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aledo, IL · Charter 65995 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
0.30%
Rank 44 of 50
Net Interest Margin
2.44%
Rank 49 of 50
Efficiency Ratio
87.88%
Rank 44 of 50
Equity / Assets
14.89%
Rank 18 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.49% | 0.97% | 1.35% | Beats 12% | 44 / 50 | |
| Return on Equity | 2.05% | 3.76% | 7.55% | 10.28% | Beats 10% | 45 / 50 | |
| Net Interest Margin | 2.44% | 3.15% | 3.72% | 4.20% | Beats 2% | 49 / 50 | |
| Efficiency Ratio | 87.88% | 67.18% | 75.90% | 80.66% | Beats 14% | 44 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.62% | 0.14% | 0.47% | 0.87% | Beats 20% | 41 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.89% | 10.68% | 13.50% | 16.38% | Beats 64% | 18 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.89% | 10.68% | 13.50% | 16.38% | Beats 64% | 18 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.54% | 55.23% | 70.87% | 80.60% | 72nd pctl | 14 / 50 | |
| Loans / Assets | 68.09% | 43.53% | 60.64% | 68.47% | 72nd pctl | 14 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||