Loves Park, IL · Charter 68687
NCUA · 3 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
30
Asset Quality
34
Profitability
26
Liquidity
5
Efficiency
12
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.
Loves Park, IL · Charter 68687
NCUA · 3 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 | 0.41% | 0.34% | 1.40% | 1.57% | 1.23% | 0.91% | 0.14% | 0.09% | -148 bps | |
| Return on Equity | 3.56% | 2.98% | 12.22% | 13.43% | 10.26% | 7.84% | 1.27% | 0.80% | -1,263 bps | |
| Net Interest Margin | 3.48% | 3.49% | 3.78% | 3.82% | 3.95% | 3.91% | 3.94% | 4.15% | +33 bps | |
| Efficiency Ratio | 88.43% | 89.49% | 74.56% | 73.06% | 77.78% | 80.31% | 91.22% | 88.76% | +1,570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.72% | 4.08% | 2.57% | 6.94% | 4.37% | 6.21% | 7.06% | 3.03% | -391 bps | |
| Loan Growth (YoY) | 8.15% | 7.43% | 5.53% | 3.74% | 2.44% | 3.01% | 5.14% | 5.24% | +150 bps | |
| Share Growth (YoY) | 3.72% | 4.17% | 3.52% | 7.40% | 7.46% | 8.70% | 8.53% | 3.77% | -362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.68% | 0.70% | 0.97% | 0.85% | 0.94% | 0.84% | 0.69% | -27 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 | 11.49% | 11.37% | 11.43% | 11.68% | 11.94% | 11.60% | 11.25% | 11.50% | -18 bps | |
| Net Worth / Assets | 11.49% | 11.37% | 11.43% | 11.68% | 11.94% | 11.60% | 11.25% | 11.50% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.01% | 93.51% | 89.25% | 89.46% | 90.58% | 88.62% | 86.47% | 90.72% | +126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Loves Park, IL · Charter 68687 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 3 branches
Q2 2026
Return on Assets
0.09%
Rank 48 of 50
Net Interest Margin
4.15%
Rank 15 of 50
Efficiency Ratio
88.77%
Rank 45 of 50
Equity / Assets
11.50%
Rank 35 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.09% | 0.49% | 0.97% | 1.35% | Beats 4% | 48 / 50 | ||
| Return on Equity | 0.80% | 3.76% | 7.55% | 10.28% | Beats 4% | 48 / 50 | ||
| Net Interest Margin | 4.15% | 3.15% | 3.72% | 4.20% | Beats 70% | 15 / 50 | ||
| Efficiency Ratio | 88.77% | 67.18% | 75.90% | 80.66% | Beats 12% | 45 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.69% | 0.14% | 0.47% | 0.87% | Beats 34% | 34 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.50% | 10.68% | 13.50% | 16.38% | Beats 30% | 35 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.50% | 10.68% | 13.50% | 16.38% | Beats 30% | 35 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.72% | 55.23% | 70.87% | 80.60% | 82nd pctl | 9 / 50 | ||
| Loans / Assets | 79.42% | 43.53% | 60.64% | 68.47% | 92nd pctl | 4 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||