Chicago, IL · Charter 67955
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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
16
Asset Quality
64
Profitability
36
Liquidity
19
Efficiency
96
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 67955
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 | 0.54% | 0.42% | 0.40% | 0.61% | 0.60% | 0.55% | 0.59% | 0.95% | +34 bps | |
| Return on Equity | 6.13% | 4.56% | 4.35% | 6.90% | 6.79% | 6.12% | 6.30% | 10.34% | +344 bps | |
| Net Interest Margin | 2.04% | 2.14% | 2.08% | 2.17% | 2.22% | 2.27% | 2.41% | 2.39% | +22 bps | |
| Efficiency Ratio | 53.82% | 56.09% | 53.14% | 49.96% | 48.59% | 49.69% | 49.19% | 43.61% | -635 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.39% | 5.77% | -2.05% | -1.56% | -0.09% | 3.73% | 0.00% | 0.27% | +183 bps | |
| Loan Growth (YoY) | -4.72% | 1.63% | 9.03% | 11.81% | 11.21% | 4.11% | 1.60% | 0.96% | -1,085 bps | |
| Share Growth (YoY) | 11.99% | 11.13% | 3.21% | 0.79% | -0.45% | 1.11% | 1.21% | 1.23% | +44 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 0.92% | 1.06% | 0.81% | 1.12% | 0.84% | 0.94% | 0.81% | 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.81% | 9.17% | 9.21% | 8.87% | 8.86% | 8.98% | 9.41% | 9.17% | +30 bps | |
| Net Worth / Assets | 8.81% | 9.17% | 9.21% | 8.87% | 8.86% | 8.98% | 9.41% | 9.17% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.00% | 94.86% | 95.89% | 98.98% | 101.65% | 97.68% | 96.25% | 98.72% | -26 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 67955 · Peer group: credit unions any (n=25)
NCUA · 1 branch
Q2 2026
Return on Assets
0.95%
Rank 12 of 25
Net Interest Margin
2.39%
Rank 25 of 25
Efficiency Ratio
43.61%
Rank 2 of 25
Equity / Assets
9.17%
Rank 21 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.54% | 0.87% | 1.36% | Beats 52% | 12 / 25 | ||
| Return on Equity | 10.34% | 5.49% | 9.20% | 10.99% | Beats 56% | 11 / 25 | ||
| Net Interest Margin | 2.39% | 2.86% | 3.13% | 3.50% | Beats 0% | 25 / 25 | ||
| Efficiency Ratio | 43.61% | 54.62% | 61.07% | 70.28% | Beats 96% | 2 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.64% | 0.92% | 1.30% | Beats 64% | 10 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.17% | 9.55% | 10.72% | 11.84% | Beats 16% | 21 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.17% | 9.55% | 10.72% | 11.84% | Beats 16% | 21 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.72% | 81.23% | 88.75% | 93.33% | 80th pctl | 5 / 25 | ||
| Loans / Assets | 79.51% | 68.82% | 78.26% | 79.51% | 72nd pctl | 7 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||