Loves Park, IL · Charter 81402
NCUA · 5 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
12
Asset Quality
54
Profitability
52
Liquidity
67
Efficiency
40
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 81402
NCUA · 5 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 | 0.49% | 1.03% | 0.95% | 0.77% | 0.78% | 0.65% | 0.61% | 0.82% | +4 bps | |
| Return on Equity | 5.72% | 11.51% | 10.88% | 8.31% | 8.10% | 6.88% | 6.75% | 8.71% | +40 bps | |
| Net Interest Margin | 3.11% | 3.94% | 3.42% | 3.63% | 3.72% | 3.70% | 3.72% | 3.91% | +28 bps | |
| Efficiency Ratio | 88.71% | 79.12% | 79.26% | 79.68% | 79.50% | 80.97% | 80.80% | 78.16% | -152 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.11% | -0.93% | 0.00% | 1.17% | 3.55% | 2.95% | 4.32% | 5.98% | +481 bps | |
| Loan Growth (YoY) | 0.84% | 2.84% | 3.12% | 4.52% | 8.62% | 10.28% | 12.44% | 14.80% | +1,028 bps | |
| Share Growth (YoY) | 2.60% | -1.74% | -1.29% | 0.27% | 2.02% | 2.39% | 4.38% | 6.11% | +583 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.45% | 0.37% | 0.43% | 0.40% | 0.56% | 0.48% | 0.45% | +2 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 | 8.57% | 8.92% | 8.69% | 9.32% | 9.59% | 9.38% | 9.02% | 9.38% | +5 bps | |
| Net Worth / Assets | 8.57% | 8.92% | 8.69% | 9.32% | 9.59% | 9.38% | 9.02% | 9.38% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.73% | 70.89% | 67.56% | 71.76% | 75.30% | 76.35% | 72.77% | 77.65% | +588 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 81402 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 5 branches
Q2 2026
Return on Assets
0.82%
Rank 31 of 50
Net Interest Margin
3.91%
Rank 22 of 50
Efficiency Ratio
78.16%
Rank 31 of 50
Equity / Assets
9.38%
Rank 44 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.49% | 0.97% | 1.35% | Beats 38% | 31 / 50 | ||
| Return on Equity | 8.71% | 3.76% | 7.55% | 10.28% | Beats 62% | 19 / 50 | ||
| Net Interest Margin | 3.91% | 3.15% | 3.72% | 4.20% | Beats 56% | 22 / 50 | ||
| Efficiency Ratio | 78.16% | 67.18% | 75.90% | 80.66% | Beats 40% | 31 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.14% | 0.47% | 0.87% | Beats 54% | 24 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.38% | 10.68% | 13.50% | 16.38% | Beats 12% | 44 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.38% | 10.68% | 13.50% | 16.38% | Beats 12% | 44 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.65% | 55.23% | 70.87% | 80.60% | 66th pctl | 17 / 50 | ||
| Loans / Assets | 69.55% | 43.53% | 60.64% | 68.47% | 78th pctl | 11 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||