Naperville, IL · Charter 96066
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
99
Asset Quality
16
Profitability
49
Liquidity
28
Efficiency
99
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.
Naperville, IL · Charter 96066
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 | 3.89% | 4.04% | 2.68% | 2.64% | 2.83% | 2.76% | 1.59% | 1.93% | -72 bps | |
| Return on Equity | 5.70% | 5.89% | 3.90% | 3.85% | 4.11% | 4.00% | 2.30% | 2.78% | -107 bps | |
| Net Interest Margin | 4.11% | 4.05% | 3.24% | 2.97% | 2.87% | 2.77% | 2.30% | 2.30% | -67 bps | |
| Efficiency Ratio | 12.19% | 10.47% | 27.72% | 18.63% | 14.08% | 12.44% | 36.89% | 22.73% | +410 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.78% | 2.17% | 3.06% | 3.52% | 4.11% | 3.54% | 3.15% | 2.66% | -85 bps | |
| Loan Growth (YoY) | -41.26% | -30.96% | -22.06% | -14.34% | -7.58% | -6.62% | -7.64% | -4.53% | +981 bps | |
| Share Growth (YoY) | -11.67% | -15.09% | -12.30% | -8.65% | -7.82% | 2.43% | 2.08% | 0.71% | +936 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.58% | 3.26% | 2.21% | 1.52% | 2.51% | 2.20% | 2.20% | 2.32% | +81 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 | 68.26% | 68.57% | 68.62% | 68.59% | 68.81% | 68.99% | 69.02% | 69.22% | +63 bps | |
| Net Worth / Assets | 68.26% | 68.57% | 68.62% | 68.59% | 68.81% | 68.99% | 69.02% | 69.22% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.95% | 27.56% | 26.10% | 24.88% | 25.02% | 25.13% | 23.61% | 23.58% | -129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Naperville, IL · Charter 96066 · 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
1.97%
Rank 8 of 96
Net Interest Margin
1.97%
Rank 89 of 96
Efficiency Ratio
25.00%
Rank 3 of 96
Equity / Assets
69.29%
Rank 1 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.97% | -0.02% | 0.42% | 1.03% | Beats 92% | 8 / 96 | ||
| Return on Equity | 2.84% | -0.11% | 2.94% | 6.89% | Beats 47% | 50 / 95 | ||
| Net Interest Margin | 1.97% | 3.01% | 3.57% | 4.27% | Beats 7% | 89 / 96 | ||
| Efficiency Ratio | 25.00% | 73.45% | 82.91% | 96.61% | Beats 99% | 3 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.70% | 0.08% | 0.86% | 1.63% | Beats 16% | 79 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 69.29% | 11.79% | 15.23% | 18.93% | Beats 99% | 1 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 69.29% | 11.79% | 15.23% | 18.93% | Beats 99% | 1 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 23.89% | 32.14% | 50.03% | 67.81% | 16th pctl | 81 / 96 | ||
| Loans / Assets | 6.63% | 23.12% | 42.50% | 56.24% | 6th pctl | 90 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||