PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northwest Municipal

Des Plaines, IL · Charter 17752

NCUA · 1 branch

Q2 2026

$41.4MAssets
$17.7MLoans
$35.7MShares
$5.7MNet 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 0.90%, down 56 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.09% of loans (-1 bps YoY).
  • Capital: net worth / assets of 13.68%, up 22 bps from a year ago.
  • Funding: loans stand at 49.60% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.90%-56 bps YoY

Net Interest Margin (quarter, annualized)

2.49%-53 bps YoY

Efficiency Ratio (quarter, annualized)

64.76%+1,112 bps YoY

Net Worth / Assets

13.68%+22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.47%1.29%0.82%0.90%-56 bps
Return on Equity10.81%10.54%9.38%5.93%6.56%-425 bps
Net Interest Margin3.01%3.03%2.79%2.55%2.49%-53 bps
Efficiency Ratio53.63%51.82%54.73%67.50%64.76%+1,112 bps
Growth
Asset Growth (YoY)2.26%4.23%4.84%5.20%5.85%+359 bps
Loan Growth (YoY)12.66%17.07%18.25%11.31%4.51%-815 bps
Share Growth (YoY)0.82%3.17%4.00%4.66%5.52%+470 bps
Asset Quality
Delinquent Loans / Loans0.11%0.05%0.20%0.04%0.09%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.46%13.92%13.80%13.82%13.68%+22 bps
Net Worth / Assets13.46%13.92%13.80%13.82%13.68%+22 bps
Liquidity & Funding
Loans / Shares50.08%51.37%51.35%50.71%49.60%-48 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps