Joliet, IL · Charter 1251
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.41% | 0.51% | 0.76% | 0.71% | 0.53% | 0.66% | 0.75% | -2 bps | |
| Return on Equity | 2.04% | 2.96% | 3.74% | 5.37% | 4.97% | 3.85% | 4.75% | 5.38% | +1 bps | |
| Net Interest Margin | 2.70% | 2.83% | 3.19% | 3.38% | 3.43% | 3.13% | 3.43% | 3.36% | -3 bps | |
| Efficiency Ratio | 90.59% | 86.96% | 82.29% | 77.12% | 78.75% | 82.34% | 81.45% | 77.94% | +82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.85% | 2.33% | 1.90% | 0.97% | -0.66% | 3.22% | 1.59% | 6.24% | +527 bps | |
| Loan Growth (YoY) | 10.44% | 6.12% | 5.83% | 3.01% | 4.04% | 3.38% | -1.83% | -2.08% | -508 bps | |
| Share Growth (YoY) | 1.79% | 2.38% | 1.76% | 0.43% | -1.42% | 3.18% | 1.10% | 6.59% | +616 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 1.58% | 0.41% | 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 | 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 | 13.56% | 13.82% | 13.60% | 14.22% | 14.37% | 13.89% | 13.93% | 13.89% | -33 bps | |
| Net Worth / Assets | 13.56% | 13.82% | 13.60% | 14.22% | 14.37% | 13.89% | 13.93% | 13.89% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.86% | 49.27% | 48.57% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |