Zion, IL · Charter 67024
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
75
Asset Quality
14
Profitability
97
Liquidity
24
Efficiency
99
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.
Zion, IL · Charter 67024
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 | 1.65% | 0.95% | 4.36% | 2.15% | 1.35% | 0.73% | 0.30% | 3.93% | +178 bps | |
| Return on Equity | 7.41% | 4.55% | 21.98% | 11.44% | 7.35% | 4.17% | 1.81% | 20.77% | +933 bps | |
| Net Interest Margin | 2.73% | 2.45% | 5.95% | 3.91% | 2.97% | 2.19% | 1.82% | 5.41% | +150 bps | |
| Efficiency Ratio | 40.43% | 61.78% | 27.43% | 45.42% | 54.76% | 67.02% | 83.63% | 27.64% | -1,778 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.08% | 11.92% | 19.32% | 22.74% | 26.48% | 24.46% | 15.73% | 8.97% | -1,378 bps | |
| Loan Growth (YoY) | -24.85% | -17.02% | 6.08% | 94.83% | 97.53% | 106.04% | 57.58% | -10.55% | -10,538 bps | |
| Share Growth (YoY) | -16.51% | 13.86% | 22.20% | 27.14% | 32.70% | 29.75% | 20.18% | 8.78% | -1,836 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 21.69% | 19.13% | 13.89% | 7.23% | 7.30% | 6.17% | 5.44% | 3.97% | -326 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 | 46.84% | 46.33% | 36.44% | 21.88% | 23.71% | 22.49% | 23.13% | 24.46% | +258 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.22% | 20.81% | 19.82% | 18.77% | 18.40% | 17.44% | 16.73% | 18.91% | +14 bps | |
| Net Worth / Assets | 22.22% | 20.81% | 19.82% | 18.77% | 18.40% | 17.44% | 16.73% | 18.91% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.64% | 15.64% | 17.43% | 27.45% | 24.77% | 24.83% | 22.85% | 22.58% | -488 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Zion, IL · Charter 67024 · 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
3.74%
Rank 1 of 96
Net Interest Margin
5.61%
Rank 7 of 96
Efficiency Ratio
25.00%
Rank 3 of 96
Equity / Assets
18.93%
Rank 24 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.74% | -0.02% | 0.42% | 1.03% | Beats 99% | 1 / 96 | ||
| Return on Equity | 19.75% | -0.11% | 2.94% | 6.89% | Beats 98% | 2 / 95 | ||
| Net Interest Margin | 5.61% | 3.01% | 3.57% | 4.27% | Beats 93% | 7 / 96 | ||
| Efficiency Ratio | 25.00% | 73.45% | 82.91% | 96.61% | Beats 99% | 3 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.85% | 0.08% | 0.86% | 1.63% | Beats 14% | 81 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.93% | 11.79% | 15.23% | 18.93% | Beats 75% | 24 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.93% | 11.79% | 15.23% | 18.93% | Beats 75% | 24 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 22.48% | 32.14% | 50.03% | 67.81% | 14th pctl | 83 / 96 | ||
| Loans / Assets | 18.22% | 23.12% | 42.50% | 56.24% | 17th pctl | 80 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||