Chicago, IL · Charter 7346
NCUA · 15 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
32
Profitability
26
Liquidity
37
Efficiency
41
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 7346
NCUA · 15 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 | 0.29% | 0.24% | 0.56% | 0.56% | 0.60% | 0.58% | 0.66% | 0.68% | +12 bps | |
| Return on Equity | 2.22% | 1.87% | 4.38% | 4.39% | 4.84% | 4.60% | 5.23% | 5.52% | +114 bps | |
| Net Interest Margin | 2.02% | 2.02% | 2.40% | 2.45% | 2.43% | 2.46% | 2.78% | 2.71% | +26 bps | |
| Efficiency Ratio | 87.20% | 87.34% | 79.16% | 79.09% | 75.58% | 76.01% | 75.86% | 73.74% | -534 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.31% | -5.28% | -6.24% | 5.57% | 10.39% | 7.16% | 6.51% | 9.19% | +362 bps | |
| Loan Growth (YoY) | 15.65% | 15.78% | 16.99% | 11.84% | 12.50% | 11.12% | 10.21% | 11.62% | -22 bps | |
| Share Growth (YoY) | 12.09% | 16.27% | 17.32% | 10.36% | 12.39% | 8.36% | 8.73% | 10.39% | +3 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.49% | 1.81% | 1.90% | 1.99% | 1.76% | 1.11% | 0.92% | -98 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 | 13.22% | 12.81% | 12.81% | 12.71% | 12.44% | 12.53% | 12.63% | 12.27% | -44 bps | |
| Net Worth / Assets | 13.22% | 12.81% | 12.81% | 12.71% | 12.44% | 12.53% | 12.63% | 12.27% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.52% | 71.57% | 72.28% | 72.68% | 72.59% | 73.40% | 73.27% | 73.49% | +81 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 7346 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
0.68%
Rank 284 of 435
Net Interest Margin
2.71%
Rank 378 of 435
Efficiency Ratio
73.75%
Rank 256 of 435
Equity / Assets
12.27%
Rank 129 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | 0.55% | 0.81% | 1.14% | Beats 35% | 284 / 435 | ||
| Return on Equity | 5.52% | 5.12% | 7.41% | 9.70% | Beats 30% | 303 / 435 | ||
| Net Interest Margin | 2.71% | 3.01% | 3.39% | 3.75% | Beats 13% | 378 / 435 | ||
| Efficiency Ratio | 73.75% | 65.25% | 71.39% | 77.86% | Beats 41% | 256 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.45% | 0.69% | 1.05% | Beats 32% | 295 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.27% | 9.81% | 10.84% | 12.63% | Beats 70% | 129 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.27% | 9.81% | 10.84% | 12.63% | Beats 70% | 129 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.49% | 78.33% | 88.38% | 95.61% | 18th pctl | 358 / 435 | ||
| Loans / Assets | 61.12% | 67.69% | 74.58% | 80.80% | 14th pctl | 372 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||