Morton Grove, IL · Charter 97108
NCUA · 2 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
8
Asset Quality
37
Profitability
21
Liquidity
0
Efficiency
25
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.
Morton Grove, IL · Charter 97108
NCUA · 2 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 | -0.18% | -0.23% | 0.33% | 0.19% | 0.12% | 0.05% | 0.01% | -0.01% | -21 bps | |
| Return on Equity | -1.82% | -2.30% | 3.34% | 1.93% | 1.24% | 0.56% | 0.11% | -0.15% | -209 bps | |
| Net Interest Margin | 2.07% | 2.10% | 2.46% | 2.51% | 2.59% | 2.59% | 2.58% | 2.57% | +7 bps | |
| Efficiency Ratio | 108.12% | 109.56% | 86.26% | 91.05% | 91.67% | 93.62% | 98.11% | 96.54% | +550 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.88% | -1.90% | -3.09% | -2.39% | -0.63% | -0.91% | 1.00% | 2.66% | +506 bps | |
| Loan Growth (YoY) | 2.75% | 2.05% | 1.63% | 4.61% | 7.92% | 5.97% | 10.57% | 12.78% | +816 bps | |
| Share Growth (YoY) | -4.80% | -2.22% | -3.94% | -3.07% | -0.53% | -0.91% | 1.34% | 3.32% | +639 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.71% | 0.64% | 0.73% | 0.63% | 0.92% | 0.95% | 1.27% | +54 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 | 10.01% | 9.81% | 9.90% | 9.90% | 9.91% | 9.79% | 9.62% | 9.44% | -46 bps | |
| Net Worth / Assets | 10.01% | 9.81% | 9.90% | 9.90% | 9.91% | 9.79% | 9.62% | 9.44% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.04% | 75.32% | 75.99% | 77.75% | 81.42% | 80.55% | 82.91% | 84.87% | +712 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Morton Grove, IL · Charter 97108 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.02%
Rank 72 of 96
Net Interest Margin
2.57%
Rank 81 of 96
Efficiency Ratio
96.61%
Rank 73 of 96
Equity / Assets
9.44%
Rank 88 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.02% | -0.02% | 0.42% | 1.03% | Beats 25% | 72 / 96 | ||
| Return on Equity | -0.16% | -0.11% | 2.94% | 6.89% | Beats 23% | 73 / 95 | ||
| Net Interest Margin | 2.57% | 3.01% | 3.57% | 4.27% | Beats 16% | 81 / 96 | ||
| Efficiency Ratio | 96.61% | 73.45% | 82.91% | 96.61% | Beats 25% | 73 / 96 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.27% | 0.08% | 0.86% | 1.63% | Beats 37% | 60 / 93 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.44% | 11.79% | 15.23% | 18.93% | Beats 8% | 88 / 96 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.44% | 11.79% | 15.23% | 18.93% | Beats 8% | 88 / 96 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.87% | 32.14% | 50.03% | 67.81% | 94th pctl | 6 / 96 | ||
| Loans / Assets | 77.77% | 23.12% | 42.50% | 56.24% | 96th pctl | 4 / 96 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||