Lockport, IL · Charter 68508
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 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
19
Asset Quality
71
Profitability
80
Liquidity
34
Efficiency
75
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.
Lockport, IL · Charter 68508
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 | 0.77% | 0.88% | 0.85% | 1.05% | 1.40% | +63 bps | |
| Return on Equity | 7.80% | 8.31% | 7.97% | 9.93% | 12.59% | +479 bps | |
| Net Interest Margin | 3.29% | 3.49% | 3.52% | 3.63% | 3.89% | +60 bps | |
| Efficiency Ratio | 78.27% | 75.05% | 75.16% | 77.13% | 73.54% | -473 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.32% | 2.26% | 0.00% | -1.51% | -0.95% | -327 bps | |
| Loan Growth (YoY) | -13.33% | -12.64% | -13.63% | -11.64% | -9.02% | +431 bps | |
| Share Growth (YoY) | 1.81% | 1.60% | -0.95% | -2.67% | -2.34% | -415 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.26% | 0.76% | 0.52% | 0.23% | -12 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 | 9.90% | 10.54% | 10.71% | 10.59% | 11.14% | +124 bps | |
| Net Worth / Assets | 9.90% | 10.54% | 10.71% | 10.59% | 11.14% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.97% | 28.88% | 26.84% | 25.15% | 26.06% | -191 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lockport, IL · Charter 68508 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
Return on Assets
1.40%
Rank 13 of 96
Net Interest Margin
3.89%
Rank 37 of 96
Efficiency Ratio
73.45%
Rank 25 of 96
Equity / Assets
11.14%
Rank 78 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | -0.02% | 0.42% | 1.03% | Beats 86% | 13 / 96 | |
| Return on Equity | 12.59% | -0.11% | 2.94% | 6.89% | Beats 94% | 6 / 95 | |
| Net Interest Margin | 3.89% | 3.01% | 3.57% | 4.27% | Beats 61% | 37 / 96 | |
| Efficiency Ratio | 73.45% | 73.45% | 82.91% | 96.61% | Beats 75% | 25 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.08% | 0.86% | 1.63% | Beats 71% | 28 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.14% | 11.79% | 15.23% | 18.93% | Beats 19% | 78 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.14% | 11.79% | 15.23% | 18.93% | Beats 19% | 78 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 26.06% | 32.14% | 50.03% | 67.81% | 18th pctl | 79 / 96 | |
| Loans / Assets | 23.12% | 23.12% | 42.50% | 56.24% | 25th pctl | 72 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||