Bourbonnais, IL · Charter 97095
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 IL (n=50). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
58
Profitability
67
Liquidity
81
Efficiency
84
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.
Bourbonnais, IL · Charter 97095
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 | 1.30% | 1.11% | 1.22% | 1.31% | 1.38% | 1.32% | 1.15% | 1.36% | +5 bps | |
| Return on Equity | 10.69% | 9.01% | 9.82% | 10.08% | 10.20% | 9.66% | 8.60% | 10.28% | +21 bps | |
| Net Interest Margin | 3.32% | 3.35% | 3.50% | 3.69% | 3.80% | 3.77% | 3.66% | 3.72% | +2 bps | |
| Efficiency Ratio | 64.95% | 69.31% | 67.87% | 66.46% | 65.45% | 67.11% | 66.30% | 63.96% | -250 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.41% | 1.49% | 0.68% | -2.71% | -1.55% | -0.31% | 2.78% | 9.11% | +1,181 bps | |
| Loan Growth (YoY) | 1.95% | -2.38% | 0.55% | 3.16% | 2.37% | 3.13% | 2.97% | 0.52% | -264 bps | |
| Share Growth (YoY) | 1.19% | 0.36% | -0.64% | -4.49% | -3.13% | -1.95% | 1.71% | 9.00% | +1,349 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.18% | 0.14% | 0.24% | 0.17% | 0.29% | 0.09% | 0.43% | +19 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 | 12.18% | 12.27% | 12.40% | 13.02% | 13.54% | 13.62% | 13.31% | 13.23% | +20 bps | |
| Net Worth / Assets | 12.18% | 12.27% | 12.40% | 13.02% | 13.54% | 13.62% | 13.31% | 13.23% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.02% | 75.86% | 77.11% | 81.13% | 82.46% | 79.80% | 78.06% | 74.82% | -631 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bourbonnais, IL · Charter 97095 · Peer group: credit unions under $1B in assets in IL (n=50)
NCUA · 1 branch
Q2 2026
Return on Assets
1.36%
Rank 12 of 50
Net Interest Margin
3.72%
Rank 25 of 50
Efficiency Ratio
63.94%
Rank 9 of 50
Equity / Assets
13.23%
Rank 26 of 50
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.36% | 0.49% | 0.97% | 1.35% | Beats 76% | 12 / 50 | ||
| Return on Equity | 10.28% | 3.76% | 7.55% | 10.28% | Beats 74% | 13 / 50 | ||
| Net Interest Margin | 3.72% | 3.15% | 3.72% | 4.20% | Beats 50% | 25 / 50 | ||
| Efficiency Ratio | 63.94% | 67.18% | 75.90% | 80.66% | Beats 84% | 9 / 50 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.14% | 0.47% | 0.87% | Beats 58% | 22 / 50 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.23% | 10.68% | 13.50% | 16.38% | Beats 48% | 26 / 50 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.23% | 10.68% | 13.50% | 16.38% | Beats 48% | 26 / 50 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.82% | 55.23% | 70.87% | 80.60% | 62nd pctl | 19 / 50 | ||
| Loans / Assets | 64.83% | 43.53% | 60.64% | 68.47% | 60th pctl | 20 / 50 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||