Chicago, IL · Charter 66359
NCUA · 4 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
22
Asset Quality
59
Profitability
87
Liquidity
1
Efficiency
83
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 66359
NCUA · 4 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 | 1.32% | 1.03% | 0.33% | 0.65% | 0.64% | 0.69% | 0.70% | 1.93% | +128 bps | |
| Return on Equity | 13.56% | 10.76% | 3.37% | 6.46% | 6.12% | 6.56% | 6.71% | 17.08% | +1,062 bps | |
| Net Interest Margin | 3.56% | 3.55% | 3.80% | 3.96% | 4.09% | 4.09% | 4.06% | 4.24% | +29 bps | |
| Efficiency Ratio | 71.82% | 76.13% | 88.57% | 83.44% | 83.16% | 82.46% | 81.70% | 67.77% | -1,567 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.19% | -4.03% | -4.26% | -2.55% | -2.20% | -2.76% | -0.01% | 1.27% | +383 bps | |
| Loan Growth (YoY) | 1.67% | -0.77% | 0.52% | 0.59% | 1.32% | 4.49% | 5.32% | 6.59% | +600 bps | |
| Share Growth (YoY) | -5.10% | -3.12% | -5.32% | -4.29% | -3.57% | -4.80% | -2.03% | -1.12% | +317 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.73% | 0.70% | 0.70% | 0.88% | 0.92% | 0.63% | 0.71% | +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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.72% | 9.59% | 9.71% | 10.12% | 10.48% | 10.55% | 10.47% | 11.31% | +119 bps | |
| Net Worth / Assets | 9.72% | 9.59% | 9.71% | 10.12% | 10.48% | 10.55% | 10.47% | 11.31% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.53% | 72.28% | 72.46% | 75.07% | 78.30% | 79.32% | 77.90% | 80.93% | +586 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 66359 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 4 branches
Q2 2026
Return on Assets
1.93%
Rank 9 of 96
Net Interest Margin
4.24%
Rank 26 of 96
Efficiency Ratio
67.77%
Rank 17 of 96
Equity / Assets
11.31%
Rank 75 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.93% | -0.02% | 0.42% | 1.03% | Beats 91% | 9 / 96 | ||
| Return on Equity | 17.08% | -0.11% | 2.94% | 6.89% | Beats 96% | 4 / 95 | ||
| Net Interest Margin | 4.24% | 3.01% | 3.57% | 4.27% | Beats 73% | 26 / 96 | ||
| Efficiency Ratio | 67.77% | 73.45% | 82.91% | 96.61% | Beats 83% | 17 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.08% | 0.86% | 1.63% | Beats 59% | 39 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.31% | 11.79% | 15.23% | 18.93% | Beats 22% | 75 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.31% | 11.79% | 15.23% | 18.93% | Beats 22% | 75 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.93% | 32.14% | 50.03% | 67.81% | 89th pctl | 11 / 96 | ||
| Loans / Assets | 69.99% | 23.12% | 42.50% | 56.24% | 90th pctl | 10 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||