Aurora, IL · Charter 97059
NCUA · 7 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
77
Asset Quality
58
Profitability
75
Liquidity
42
Efficiency
80
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.
Aurora, IL · Charter 97059
NCUA · 7 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 | 1.60% | 1.37% | 1.15% | 1.21% | 1.24% | 1.27% | 1.25% | 1.30% | +10 bps | |
| Return on Equity | 8.19% | 7.04% | 6.15% | 6.33% | 6.39% | 6.56% | 6.61% | 6.74% | +40 bps | |
| Net Interest Margin | 3.96% | 3.94% | 3.92% | 4.04% | 4.09% | 4.04% | 4.07% | 4.14% | +10 bps | |
| Efficiency Ratio | 68.56% | 71.54% | 73.69% | 72.73% | 72.02% | 71.91% | 70.89% | 70.93% | -180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.62% | 11.30% | 13.24% | 13.70% | 7.04% | 7.60% | 5.62% | 5.65% | -805 bps | |
| Loan Growth (YoY) | 4.92% | 3.94% | 5.76% | 6.97% | 3.09% | 3.64% | 3.93% | 2.70% | -427 bps | |
| Share Growth (YoY) | 6.97% | 9.75% | 12.07% | 12.23% | 6.61% | 6.27% | 5.03% | 5.32% | -692 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.38% | 0.39% | 0.63% | 0.83% | 0.86% | 0.63% | 0.75% | +12 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 | 19.55% | 19.42% | 18.69% | 19.06% | 19.35% | 19.31% | 18.95% | 19.34% | +28 bps | |
| Net Worth / Assets | 19.55% | 19.42% | 18.69% | 19.06% | 19.35% | 19.31% | 18.95% | 19.34% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.20% | 71.70% | 67.96% | 69.85% | 70.78% | 69.92% | 67.25% | 68.12% | -174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aurora, IL · Charter 97059 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 7 branches
Q2 2026
Return on Assets
1.30%
Rank 16 of 96
Net Interest Margin
4.14%
Rank 32 of 96
Efficiency Ratio
70.93%
Rank 20 of 96
Equity / Assets
19.34%
Rank 22 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.30% | -0.02% | 0.42% | 1.03% | Beats 83% | 16 / 96 | ||
| Return on Equity | 6.74% | -0.11% | 2.94% | 6.89% | Beats 74% | 25 / 95 | ||
| Net Interest Margin | 4.14% | 3.01% | 3.57% | 4.27% | Beats 67% | 32 / 96 | ||
| Efficiency Ratio | 70.93% | 73.45% | 82.91% | 96.61% | Beats 80% | 20 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.08% | 0.86% | 1.63% | Beats 58% | 40 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.34% | 11.79% | 15.23% | 18.93% | Beats 77% | 22 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.34% | 11.79% | 15.23% | 18.93% | Beats 77% | 22 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.11% | 32.14% | 50.03% | 67.81% | 76th pctl | 23 / 96 | ||
| Loans / Assets | 55.69% | 23.12% | 42.50% | 56.24% | 74th pctl | 25 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||