Chicago, IL · Charter 13533
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 1.26% | 1.75% | 1.92% | 1.27% | 0.63% | -0.06% | -0.18% | -209 bps | |
| Return on Equity | 0.92% | 5.96% | 7.60% | 7.77% | 5.24% | 2.64% | -0.25% | -0.72% | -849 bps | |
| Net Interest Margin | 5.33% | 6.35% | 6.79% | 7.40% | 6.77% | 7.08% | 6.80% | 6.61% | -79 bps | |
| Efficiency Ratio | 96.83% | 82.09% | 77.24% | 77.15% | 83.88% | 91.82% | 98.23% | 100.49% | +2,334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.71% | 7.26% | -3.65% | -5.62% | -3.84% | -8.18% | -6.01% | -1.32% | +431 bps | |
| Loan Growth (YoY) | 20.12% | 57.08% | 44.70% | 13.47% | 16.68% | -9.26% | -18.58% | -24.97% | -3,843 bps | |
| Share Growth (YoY) | 0.91% | 3.37% | -3.78% | -7.37% | -3.55% | -8.44% | -4.57% | -1.43% | +593 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.38% | 0.67% | 0.31% | 0.51% | 3.04% | 0.31% | 5.27% | 3.03% | +252 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 | 5.97% | 4.90% | 4.60% | 4.96% | 4.82% | 2.20% | 2.85% | 3.53% | -143 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.03% | 21.06% | 23.00% | 24.65% | 24.18% | 24.00% | 24.81% | 24.69% | +4 bps | |
| Net Worth / Assets | 22.03% | 21.06% | 23.00% | 24.65% | 24.18% | 24.00% | 24.81% | 24.69% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.43% | 68.80% | 75.08% | 71.40% | 74.32% | 68.18% | 64.07% | 54.36% | -1,705 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |