Chicago, IL · Charter 95826
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 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
83
Asset Quality
22
Profitability
51
Liquidity
85
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.
Chicago, IL · Charter 95826
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 | 0.69% | 0.68% | 0.24% | 0.03% | 0.13% | 0.18% | 0.10% | 0.23% | +19 bps | |
| Return on Equity | 3.24% | 2.99% | 1.10% | 0.15% | 0.61% | 0.81% | 0.44% | 1.01% | +86 bps | |
| Net Interest Margin | 5.86% | 6.04% | 5.84% | 5.97% | 5.93% | 5.95% | 5.52% | 5.43% | -54 bps | |
| Efficiency Ratio | 84.06% | 83.50% | 92.25% | 82.81% | 84.17% | 85.25% | 88.08% | 88.17% | +536 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.62% | -0.33% | -0.50% | -4.73% | -0.57% | 0.16% | -4.56% | -1.64% | +309 bps | |
| Loan Growth (YoY) | -9.84% | -6.19% | -6.47% | -5.36% | -5.89% | -11.48% | -12.19% | -14.20% | -884 bps | |
| Share Growth (YoY) | 1.82% | 1.27% | 1.19% | -4.27% | -1.84% | -1.25% | -6.70% | -2.97% | +129 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.12% | 3.26% | 3.67% | 3.52% | 3.12% | 2.95% | 2.45% | 2.65% | -87 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 | 21.36% | 22.74% | 22.04% | 22.53% | 21.78% | 22.09% | 22.44% | 22.39% | -14 bps | |
| Net Worth / Assets | 21.36% | 22.74% | 22.04% | 22.53% | 21.78% | 22.09% | 22.44% | 22.39% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.98% | 65.76% | 60.64% | 61.75% | 60.38% | 58.94% | 57.07% | 54.60% | -715 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 95826 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 3 branches
Q2 2026
Return on Assets
0.23%
Rank 64 of 96
Net Interest Margin
5.43%
Rank 8 of 96
Efficiency Ratio
88.08%
Rank 59 of 96
Equity / Assets
22.40%
Rank 16 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.23% | -0.02% | 0.42% | 1.03% | Beats 33% | 64 / 96 | ||
| Return on Equity | 1.02% | -0.11% | 2.94% | 6.89% | Beats 29% | 67 / 95 | ||
| Net Interest Margin | 5.43% | 3.01% | 3.57% | 4.27% | Beats 92% | 8 / 96 | ||
| Efficiency Ratio | 88.08% | 73.45% | 82.91% | 96.61% | Beats 40% | 59 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.65% | 0.08% | 0.86% | 1.63% | Beats 22% | 74 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.40% | 11.79% | 15.23% | 18.93% | Beats 83% | 16 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.40% | 11.79% | 15.23% | 18.93% | Beats 83% | 16 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.60% | 32.14% | 50.03% | 67.81% | 61st pctl | 37 / 96 | ||
| Loans / Assets | 41.88% | 23.12% | 42.50% | 56.24% | 48th pctl | 50 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||