PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Shiloh Englewood

Chicago, IL · Charter 15454

NCUA · 1 branch

Q2 2026

$344KAssets
$64KLoans
$223KShares
$65KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -6.41%, down 4,761 bps year over year; NIM at 1.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.93%, down 2,872 bps from a year ago.
  • Funding: loans stand at 28.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-6.41%-4,761 bps YoY

Net Interest Margin (YTD, annualized)

1.36%+3 bps YoY

Efficiency Ratio (YTD, annualized)

522%+51,901 bps YoY

Net Worth / Assets

18.93%-2,872 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets41.21%-19.20%-17.24%-9.72%-6.41%-4,761 bps
Return on Equity86.49%-106.76%-106.01%-48.24%-33.86%-12,035 bps
Net Interest Margin1.33%1.29%0.57%1.84%1.36%+3 bps
Efficiency Ratio2.96%1371%2068%488%522%+51,901 bps
Growth
Asset Growth (YoY)17.07%12.47%21.90%13.08%-1.75%-1,881 bps
Loan Growth (YoY)-19.12%33.56%52.04%419%385%+40,389 bps
Share Growth (YoY)0.13%0.38%-7.82%11.34%22.25%+2,212 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.77%1.75%1.96%0.72%0.78%-299 bps
Capital
Risk-Based Capital47.64%17.99%16.26%20.15%18.93%-2,872 bps
Net Worth / Assets47.64%17.99%16.26%20.15%18.93%-2,872 bps
Liquidity & Funding
Loans / Shares7.26%15.91%15.29%35.63%28.80%+2,154 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps