Joliet, IL · Charter 1251
NCUA · 2 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 | 0.76% | 0.71% | 0.53% | 0.66% | 0.75% | -2 bps | |
| Return on Equity | 5.37% | 4.97% | 3.85% | 4.75% | 5.38% | +1 bps | |
| Net Interest Margin | 3.38% | 3.43% | 3.13% | 3.43% | 3.36% | -3 bps | |
| Efficiency Ratio | 77.12% | 78.75% | 82.34% | 81.45% | 77.94% | +82 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.97% | -0.66% | 3.22% | 1.59% | 6.24% | +527 bps | |
| Loan Growth (YoY) | 3.01% | 4.04% | 3.38% | -1.83% | -2.08% | -508 bps | |
| Share Growth (YoY) | 0.43% | -1.42% | 3.18% | 1.10% | 6.59% | +616 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 0.71% | 0.84% | 0.87% | 0.71% | -25 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 | 14.22% | 14.37% | 13.89% | 13.93% | 13.89% | -33 bps | |
| Net Worth / Assets | 14.22% | 14.37% | 13.89% | 13.93% | 13.89% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.73% | 51.57% | 49.37% | 47.16% | 46.60% | -413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |