Aurora, IL · Charter 97100
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 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
52
Asset Quality
100
Profitability
63
Liquidity
26
Efficiency
92
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 97100
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 | 1.35% | 1.16% | 1.27% | 1.40% | 1.54% | 1.53% | 1.06% | 1.38% | -1 bps | |
| Return on Equity | 9.90% | 8.54% | 9.20% | 9.50% | 10.25% | 10.22% | 7.11% | 9.02% | -49 bps | |
| Net Interest Margin | 2.67% | 2.67% | 2.94% | 3.00% | 3.10% | 3.05% | 2.76% | 2.91% | -9 bps | |
| Efficiency Ratio | 50.70% | 57.09% | 56.87% | 56.70% | 53.52% | 53.40% | 61.64% | 55.01% | -169 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.99% | 0.81% | 1.93% | -2.06% | -0.36% | -1.65% | -0.01% | 4.56% | +661 bps | |
| Loan Growth (YoY) | 32.03% | 17.83% | 11.60% | 6.49% | -1.23% | -3.85% | 3.23% | -0.67% | -716 bps | |
| Share Growth (YoY) | -6.95% | -0.16% | 1.15% | -3.59% | -2.09% | -3.38% | -1.38% | 3.78% | +736 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.15% | 0.15% | 0.15% | 0.15% | 0.15% | 0.00% | 0.00% | -15 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 | 13.59% | 13.55% | 13.78% | 14.68% | 15.03% | 15.02% | 14.93% | 15.33% | +65 bps | |
| Net Worth / Assets | 13.59% | 13.55% | 13.78% | 14.68% | 15.03% | 15.02% | 14.93% | 15.33% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.75% | 23.21% | 22.27% | 24.04% | 23.96% | 23.10% | 23.31% | 23.01% | -103 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 97100 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
Return on Assets
1.38%
Rank 14 of 96
Net Interest Margin
2.91%
Rank 76 of 96
Efficiency Ratio
55.01%
Rank 9 of 96
Equity / Assets
15.33%
Rank 46 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | -0.02% | 0.42% | 1.03% | Beats 85% | 14 / 96 | ||
| Return on Equity | 9.02% | -0.11% | 2.94% | 6.89% | Beats 83% | 16 / 95 | ||
| Net Interest Margin | 2.91% | 3.01% | 3.57% | 4.27% | Beats 21% | 76 / 96 | ||
| Efficiency Ratio | 55.01% | 73.45% | 82.91% | 96.61% | Beats 92% | 9 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.08% | 0.86% | 1.63% | Beats 100% | 20 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.33% | 11.79% | 15.23% | 18.93% | Beats 52% | 46 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.33% | 11.79% | 15.23% | 18.93% | Beats 52% | 46 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 23.01% | 32.14% | 50.03% | 67.81% | 15th pctl | 82 / 96 | ||
| Loans / Assets | 19.44% | 23.12% | 42.50% | 56.24% | 21st pctl | 76 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||