Oak Lawn, IL · Charter 17023
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 | -0.15% | -0.13% | 0.02% | 0.14% | 0.14% | 0.12% | 0.06% | -1.33% | -148 bps | |
| Return on Equity | -0.52% | -0.43% | 0.05% | 0.45% | 0.43% | 0.36% | 0.20% | -3.94% | -439 bps | |
| Net Interest Margin | 1.95% | 2.22% | 2.22% | 2.45% | 2.57% | 2.45% | 2.42% | 1.25% | -120 bps | |
| Efficiency Ratio | 114.33% | 106.07% | 99.30% | 94.17% | 94.54% | 95.83% | 97.70% | 215% | +12,130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.32% | -11.54% | -10.24% | -10.21% | -10.22% | -6.76% | -8.98% | -8.26% | +195 bps | |
| Loan Growth (YoY) | -13.43% | -8.79% | -12.46% | -16.43% | -18.42% | -28.88% | -28.25% | -29.22% | -1,280 bps | |
| Share Growth (YoY) | -19.22% | -15.68% | -13.93% | -14.39% | -14.73% | -10.05% | -12.94% | -10.82% | +357 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.12% | 0.07% | 0.00% | 0.00% | 0.00% | -12 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 | 0.02% | 0.02% | 0.03% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.89% | 30.84% | 29.74% | 31.96% | 33.44% | 33.28% | 32.83% | 33.87% | +191 bps | |
| Net Worth / Assets | 29.89% | 30.84% | 29.74% | 31.96% | 33.44% | 33.28% | 32.83% | 33.87% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.96% | 47.36% | 40.34% | 39.62% | 43.02% | 37.44% | 33.25% | 31.44% | -818 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |