Gurnee, IL · Charter 96071
NCUA · 11 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
90
Asset Quality
99
Profitability
37
Liquidity
0
Efficiency
74
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.
Gurnee, IL · Charter 96071
NCUA · 11 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 | 1.23% | 1.11% | 0.83% | 0.97% | 0.95% | 0.91% | 0.81% | 0.95% | -2 bps | |
| Return on Equity | 8.56% | 7.71% | 6.29% | 6.91% | 6.66% | 6.36% | 5.98% | 6.59% | -32 bps | |
| Net Interest Margin | 2.36% | 2.32% | 2.18% | 2.36% | 2.35% | 2.34% | 2.31% | 2.49% | +13 bps | |
| Efficiency Ratio | 61.06% | 62.71% | 67.12% | 64.75% | 65.24% | 66.01% | 67.76% | 65.72% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.02% | 3.69% | 6.53% | 6.60% | 7.20% | 7.53% | 3.57% | 3.28% | -332 bps | |
| Loan Growth (YoY) | 3.61% | 4.23% | 4.89% | 5.35% | 4.57% | 3.71% | 3.53% | 1.79% | -356 bps | |
| Share Growth (YoY) | 3.90% | 4.73% | 5.50% | 5.77% | 6.83% | 6.61% | 2.52% | 2.27% | -350 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.05% | 0.10% | 0.13% | 0.09% | 0.11% | 0.13% | 0.11% | -1 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 | 14.32% | 14.45% | 13.23% | 14.06% | 14.24% | 14.33% | 13.61% | 14.49% | +43 bps | |
| Net Worth / Assets | 14.32% | 14.45% | 13.23% | 14.06% | 14.24% | 14.33% | 13.61% | 14.49% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.54% | 65.15% | 57.76% | 62.92% | 63.18% | 63.38% | 58.32% | 62.62% | -30 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gurnee, IL · Charter 96071 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
0.95%
Rank 158 of 435
Net Interest Margin
2.49%
Rank 402 of 435
Efficiency Ratio
65.73%
Rank 113 of 435
Equity / Assets
14.49%
Rank 45 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.55% | 0.81% | 1.14% | Beats 64% | 158 / 435 | ||
| Return on Equity | 6.59% | 5.12% | 7.41% | 9.70% | Beats 40% | 262 / 435 | ||
| Net Interest Margin | 2.49% | 3.01% | 3.39% | 3.75% | Beats 8% | 402 / 435 | ||
| Efficiency Ratio | 65.73% | 65.25% | 71.39% | 77.86% | Beats 74% | 113 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.45% | 0.69% | 1.05% | Beats 99% | 5 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.49% | 9.81% | 10.84% | 12.63% | Beats 90% | 45 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.49% | 9.81% | 10.84% | 12.63% | Beats 90% | 45 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.63% | 78.33% | 88.38% | 95.61% | 9th pctl | 398 / 435 | ||
| Loans / Assets | 53.86% | 67.69% | 74.58% | 80.80% | 9th pctl | 396 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||