Calumet City, IL · Charter 68425
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
67
Asset Quality
33
Profitability
43
Liquidity
100
Efficiency
43
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.
Calumet City, IL · Charter 68425
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 | 0.30% | 0.35% | 0.15% | 0.46% | 0.55% | 0.53% | 0.15% | 0.35% | -11 bps | |
| Return on Equity | 1.73% | 2.00% | 0.86% | 2.62% | 3.10% | 2.94% | 0.88% | 2.01% | -61 bps | |
| Net Interest Margin | 3.60% | 3.63% | 3.59% | 3.64% | 3.64% | 3.63% | 3.49% | 3.47% | -17 bps | |
| Efficiency Ratio | 80.82% | 81.21% | 87.48% | 79.42% | 78.04% | 78.67% | 93.04% | 86.01% | +659 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.33% | -1.58% | -0.94% | -1.63% | -1.04% | -0.03% | 2.31% | 4.53% | +616 bps | |
| Loan Growth (YoY) | -1.35% | -2.28% | -2.91% | -5.02% | -6.70% | -7.23% | -7.97% | -7.89% | -286 bps | |
| Share Growth (YoY) | -4.52% | -3.02% | -1.94% | -2.45% | -1.33% | -0.86% | 1.25% | 4.23% | +668 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 1.90% | 1.88% | 1.57% | 1.50% | 1.69% | 1.73% | 1.34% | -23 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 | 17.08% | 17.32% | 17.14% | 17.61% | 17.80% | 17.91% | 17.32% | 17.36% | -25 bps | |
| Net Worth / Assets | 17.08% | 17.32% | 17.14% | 17.61% | 17.80% | 17.91% | 17.32% | 17.36% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.36% | 58.76% | 56.52% | 56.72% | 56.13% | 54.98% | 51.38% | 50.12% | -659 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Calumet City, IL · Charter 68425 · 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
0.35%
Rank 54 of 96
Net Interest Margin
3.47%
Rank 52 of 96
Efficiency Ratio
86.00%
Rank 56 of 96
Equity / Assets
17.36%
Rank 32 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | -0.02% | 0.42% | 1.03% | Beats 44% | 54 / 96 | ||
| Return on Equity | 2.01% | -0.11% | 2.94% | 6.89% | Beats 38% | 59 / 95 | ||
| Net Interest Margin | 3.47% | 3.01% | 3.57% | 4.27% | Beats 46% | 52 / 96 | ||
| Efficiency Ratio | 86.00% | 73.45% | 82.91% | 96.61% | Beats 43% | 56 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.34% | 0.08% | 0.86% | 1.63% | Beats 33% | 63 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.36% | 11.79% | 15.23% | 18.93% | Beats 67% | 32 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.36% | 11.79% | 15.23% | 18.93% | Beats 67% | 32 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.12% | 32.14% | 50.03% | 67.81% | 51st pctl | 47 / 96 | ||
| Loans / Assets | 43.15% | 23.12% | 42.50% | 56.24% | 53rd pctl | 45 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||