Chicago, IL · Charter 7256
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 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
89
Asset Quality
100
Profitability
8
Liquidity
0
Efficiency
7
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 7256
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 | -3.92% | -1.68% | -2.74% | -4.10% | -2.01% | -2.74% | -3.33% | -1.86% | +225 bps | |
| Return on Equity | -15.76% | -6.41% | -10.54% | -17.65% | -8.20% | -10.62% | -13.06% | -7.44% | +1,021 bps | |
| Net Interest Margin | 2.37% | 2.60% | 1.67% | 0.00% | 2.00% | 2.14% | 0.75% | 1.72% | +172 bps | |
| Efficiency Ratio | 265% | 164.64% | 264% | 25810% | 195.04% | 208% | 544% | 205% | -2,560,451 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.65% | -3.61% | -7.64% | -5.52% | -7.43% | -7.38% | -6.67% | -7.60% | -208 bps | |
| Loan Growth (YoY) | 21.66% | -1.94% | -33.28% | -35.48% | -35.16% | -45.70% | -46.09% | -45.23% | -975 bps | |
| Share Growth (YoY) | -2.91% | -2.39% | -7.53% | -1.64% | -7.05% | -6.81% | -6.04% | -9.69% | -805 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 1.24% | 1.64% | 1.80% | 2.04% | 1.91% | 3.02% | 3.33% | 3.73% | +169 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.86% | 26.22% | 25.99% | 23.25% | 24.56% | 25.77% | 25.49% | 24.99% | +173 bps | |
| Net Worth / Assets | 24.86% | 26.22% | 25.99% | 23.25% | 24.56% | 25.77% | 25.49% | 24.99% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.64% | 26.04% | 24.40% | 20.59% | 23.47% | 15.17% | 14.00% | 12.49% | -810 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 7256 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.72%
Rank 86 of 96
Net Interest Margin
1.72%
Rank 93 of 96
Efficiency Ratio
200%
Rank 92 of 96
Equity / Assets
25.00%
Rank 11 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.72% | -0.02% | 0.42% | 1.03% | Beats 10% | 86 / 96 | ||
| Return on Equity | -6.90% | -0.11% | 2.94% | 6.89% | Beats 12% | 84 / 95 | ||
| Net Interest Margin | 1.72% | 3.01% | 3.57% | 4.27% | Beats 3% | 93 / 96 | ||
| Efficiency Ratio | 200% | 73.45% | 82.91% | 96.61% | Beats 7% | 92 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.86% | 1.63% | Beats 100% | 20 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.00% | 11.79% | 15.23% | 18.93% | Beats 89% | 11 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.00% | 11.79% | 15.23% | 18.93% | Beats 89% | 11 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 12.64% | 32.14% | 50.03% | 67.81% | 9th pctl | 87 / 96 | ||
| Loans / Assets | 9.48% | 23.12% | 42.50% | 56.24% | 9th pctl | 87 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||