Naperville, IL · Charter 97084
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 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
10
Asset Quality
66
Profitability
62
Liquidity
0
Efficiency
46
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 97084
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.10% | 0.98% | 0.25% | 0.38% | -56 bps | |
| Return on Equity | 9.90% | 11.19% | 10.10% | 2.57% | 4.00% | -590 bps | |
| Net Interest Margin | 4.69% | 4.83% | 4.72% | 4.49% | 4.65% | -4 bps | |
| Efficiency Ratio | 79.62% | 78.98% | 80.72% | 89.58% | 85.14% | +552 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.98% | -0.44% | 2.79% | 4.09% | 5.37% | +635 bps | |
| Loan Growth (YoY) | 1.27% | 2.30% | 2.41% | 8.11% | 3.97% | +270 bps | |
| Share Growth (YoY) | 3.41% | 4.21% | 4.65% | 3.42% | 5.26% | +184 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.62% | 0.65% | 0.40% | 0.48% | -14 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.54% | 9.81% | 9.74% | 9.56% | 9.62% | +8 bps | |
| Net Worth / Assets | 9.54% | 9.81% | 9.74% | 9.56% | 9.62% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.15% | 91.81% | 88.13% | 88.05% | 90.03% | -112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Naperville, IL · Charter 97084 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 5 branches
Q2 2026
Return on Assets
0.38%
Rank 50 of 96
Net Interest Margin
4.65%
Rank 16 of 96
Efficiency Ratio
85.14%
Rank 53 of 96
Equity / Assets
9.62%
Rank 86 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | -0.02% | 0.42% | 1.03% | Beats 48% | 50 / 96 | |
| Return on Equity | 4.00% | -0.11% | 2.94% | 6.89% | Beats 56% | 42 / 95 | |
| Net Interest Margin | 4.65% | 3.01% | 3.57% | 4.27% | Beats 83% | 16 / 96 | |
| Efficiency Ratio | 85.14% | 73.45% | 82.91% | 96.61% | Beats 46% | 53 / 96 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.08% | 0.86% | 1.63% | Beats 66% | 33 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.62% | 11.79% | 15.23% | 18.93% | Beats 10% | 86 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.62% | 11.79% | 15.23% | 18.93% | Beats 10% | 86 / 96 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.03% | 32.14% | 50.03% | 67.81% | 97th pctl | 3 / 96 | |
| Loans / Assets | 77.31% | 23.12% | 42.50% | 56.24% | 95th pctl | 5 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||