Chicago, IL · Charter 66296
NCUA · 2 branches
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
9
Asset Quality
100
Profitability
43
Liquidity
96
Efficiency
21
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 66296
NCUA · 2 branches
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 | 4.68% | 0.80% | 30.96% | 13.95% | 7.91% | 0.00% | 1.35% | -0.87% | -1,482 bps | |
| Return on Equity | 33.32% | 6.71% | 166.63% | 78.40% | 47.81% | 0.00% | 13.04% | -9.20% | -8,760 bps | |
| Net Interest Margin | 7.59% | 5.74% | 7.03% | 6.72% | 6.39% | 5.80% | 6.67% | 6.55% | -17 bps | |
| Efficiency Ratio | 86.49% | 97.36% | 35.30% | 49.14% | 60.57% | 100.00% | 79.77% | 110.76% | +6,162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.04% | -11.30% | -2.63% | 4.07% | 6.35% | 12.03% | 9.22% | 9.72% | +565 bps | |
| Loan Growth (YoY) | 17.88% | 4.46% | -1.94% | -11.49% | -6.23% | -0.46% | 10.19% | 15.39% | +2,687 bps | |
| Share Growth (YoY) | 11.74% | 9.70% | 8.43% | 4.58% | 6.73% | 9.64% | 16.42% | 18.00% | +1,342 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 4.65% | 4.75% | 5.33% | 3.14% | 2.83% | 2.73% | 2.94% | 2.90% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.03% | 11.87% | 18.58% | 17.79% | 16.54% | 10.68% | 10.35% | 9.50% | -829 bps | |
| Net Worth / Assets | 14.03% | 11.87% | 18.58% | 17.79% | 16.54% | 10.68% | 10.35% | 9.50% | -829 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.15% | 62.27% | 54.91% | 52.59% | 56.36% | 56.53% | 51.97% | 51.43% | -116 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 66296 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.62%
Rank 80 of 96
Net Interest Margin
6.79%
Rank 1 of 96
Efficiency Ratio
107.14%
Rank 77 of 96
Equity / Assets
9.57%
Rank 87 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.62% | -0.02% | 0.42% | 1.03% | Beats 17% | 80 / 96 | ||
| Return on Equity | -6.45% | -0.11% | 2.94% | 6.89% | Beats 13% | 83 / 95 | ||
| Net Interest Margin | 6.79% | 3.01% | 3.57% | 4.27% | Beats 99% | 1 / 96 | ||
| Efficiency Ratio | 107.14% | 73.45% | 82.91% | 96.61% | Beats 21% | 77 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.86% | 1.63% | Beats 100% | 20 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.57% | 11.79% | 15.23% | 18.93% | Beats 9% | 87 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.57% | 11.79% | 15.23% | 18.93% | Beats 9% | 87 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.22% | 32.14% | 50.03% | 67.81% | 54th pctl | 44 / 96 | ||
| Loans / Assets | 45.37% | 23.12% | 42.50% | 56.24% | 59th pctl | 39 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||