Bloomington, IL · Charter 68423
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 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
62
Asset Quality
50
Profitability
42
Liquidity
93
Efficiency
82
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.
Bloomington, IL · Charter 68423
NCUA · 2 branches
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 | 1.31% | 1.30% | 1.16% | 1.12% | 1.07% | -24 bps | |
| Return on Equity | 9.44% | 9.18% | 8.34% | 8.08% | 7.60% | -184 bps | |
| Net Interest Margin | 2.98% | 3.02% | 2.95% | 2.97% | 2.98% | +1 bps | |
| Efficiency Ratio | 60.82% | 60.87% | 61.32% | 65.08% | 65.80% | +498 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.89% | 4.38% | 4.52% | 3.29% | 6.42% | +153 bps | |
| Loan Growth (YoY) | 5.92% | 6.28% | 5.25% | 3.55% | 4.64% | -128 bps | |
| Share Growth (YoY) | 4.19% | 3.47% | 3.78% | 2.38% | 5.99% | +180 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.45% | 0.44% | 0.43% | 0.47% | +10 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.87% | 14.16% | 13.91% | 13.82% | 14.04% | +18 bps | |
| Net Worth / Assets | 13.87% | 14.16% | 13.91% | 13.82% | 14.04% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.66% | 70.04% | 69.54% | 67.58% | 68.77% | -89 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bloomington, IL · Charter 68423 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 2 branches
Q2 2026
Return on Assets
1.07%
Rank 21 of 50
Net Interest Margin
2.98%
Rank 42 of 50
Efficiency Ratio
65.80%
Rank 10 of 50
Equity / Assets
14.04%
Rank 19 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 0.49% | 0.97% | 1.35% | Beats 58% | 21 / 50 | |
| Return on Equity | 7.60% | 3.76% | 7.55% | 10.28% | Beats 52% | 24 / 50 | |
| Net Interest Margin | 2.98% | 3.15% | 3.72% | 4.20% | Beats 16% | 42 / 50 | |
| Efficiency Ratio | 65.80% | 67.18% | 75.90% | 80.66% | Beats 82% | 10 / 50 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.47% | 0.14% | 0.47% | 0.87% | Beats 50% | 26 / 50 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.04% | 10.68% | 13.50% | 16.38% | Beats 62% | 19 / 50 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.04% | 10.68% | 13.50% | 16.38% | Beats 62% | 19 / 50 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.77% | 55.23% | 70.87% | 80.60% | 44th pctl | 28 / 50 | |
| Loans / Assets | 58.20% | 43.53% | 60.64% | 68.47% | 44th pctl | 28 / 50 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||