Joliet, IL · Charter 16437
NCUA · 1 branch
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 | 0.65% | 0.60% | 0.52% | 1.05% | 0.64% | -1 bps | |
| Return on Equity | 6.13% | 5.64% | 4.74% | 9.54% | 5.80% | -33 bps | |
| Net Interest Margin | 2.96% | 2.90% | 3.14% | 3.50% | 3.25% | +29 bps | |
| Efficiency Ratio | 78.41% | 79.94% | 81.07% | 70.89% | 77.07% | -135 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.54% | -0.91% | -5.13% | 1.81% | 0.31% | +385 bps | |
| Loan Growth (YoY) | -14.29% | -14.45% | -15.36% | -15.26% | -14.54% | -24 bps | |
| Share Growth (YoY) | -3.96% | -1.21% | -2.57% | 1.29% | -0.35% | +362 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.77% | 0.28% | 0.62% | 2.08% | +152 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 | 10.64% | 10.56% | 10.98% | 11.05% | 11.12% | +48 bps | |
| Net Worth / Assets | 10.64% | 10.56% | 10.98% | 11.05% | 11.12% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.94% | 68.24% | 69.01% | 65.34% | 63.41% | -1,053 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |