Romeoville, IL · Charter 97086
NCUA · 9 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
24
Asset Quality
49
Profitability
44
Liquidity
41
Efficiency
49
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.
Romeoville, IL · Charter 97086
NCUA · 9 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 | 0.41% | 0.34% | 0.09% | 0.35% | 0.37% | 0.14% | 0.13% | 0.28% | -7 bps | |
| Return on Equity | 3.44% | 2.90% | 0.77% | 2.92% | 3.02% | 1.15% | 1.11% | 2.40% | -52 bps | |
| Net Interest Margin | 3.43% | 3.41% | 3.50% | 3.75% | 3.80% | 3.73% | 3.66% | 3.81% | +6 bps | |
| Efficiency Ratio | 86.58% | 86.09% | 84.19% | 82.72% | 82.48% | 82.74% | 85.61% | 83.14% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.54% | -1.74% | -0.38% | -4.51% | -0.14% | 0.91% | -0.05% | 2.56% | +707 bps | |
| Loan Growth (YoY) | 1.09% | 0.22% | -1.23% | 0.13% | -0.92% | -2.35% | -4.23% | -7.15% | -728 bps | |
| Share Growth (YoY) | -3.75% | -3.18% | -1.83% | -4.94% | -0.31% | 0.87% | 0.05% | 1.27% | +621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.50% | 0.35% | 0.59% | 0.96% | 0.87% | 0.92% | 0.88% | +29 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 | 11.99% | 11.82% | 11.38% | 12.03% | 12.24% | 11.78% | 11.46% | 11.76% | -27 bps | |
| Net Worth / Assets | 11.99% | 11.82% | 11.38% | 12.03% | 12.24% | 11.78% | 11.46% | 11.76% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.34% | 75.25% | 71.35% | 74.70% | 75.87% | 72.85% | 68.31% | 68.49% | -621 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Romeoville, IL · Charter 97086 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 9 branches
Q2 2026
Return on Assets
0.28%
Rank 61 of 96
Net Interest Margin
3.81%
Rank 43 of 96
Efficiency Ratio
83.13%
Rank 50 of 96
Equity / Assets
11.76%
Rank 73 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.28% | -0.02% | 0.42% | 1.03% | Beats 36% | 61 / 96 | ||
| Return on Equity | 2.40% | -0.11% | 2.94% | 6.89% | Beats 42% | 55 / 95 | ||
| Net Interest Margin | 3.81% | 3.01% | 3.57% | 4.27% | Beats 55% | 43 / 96 | ||
| Efficiency Ratio | 83.13% | 73.45% | 82.91% | 96.61% | Beats 49% | 50 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.88% | 0.08% | 0.86% | 1.63% | Beats 49% | 48 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.76% | 11.79% | 15.23% | 18.93% | Beats 24% | 73 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.76% | 11.79% | 15.23% | 18.93% | Beats 24% | 73 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.49% | 32.14% | 50.03% | 67.81% | 79th pctl | 20 / 96 | ||
| Loans / Assets | 60.57% | 23.12% | 42.50% | 56.24% | 80th pctl | 19 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||