PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

C T A F C

Chicago, IL · Charter 18882

NCUA · 1 branch

Q2 2026

$756KAssets
$165KLoans
$628KShares
$125KNet 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 -2.80%, up 39 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.50%, down 84 bps from a year ago.
  • Funding: loans stand at 26.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.80%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-52 bps YoY

Efficiency Ratio (YTD, annualized)

169.84%-2,817 bps YoY

Net Worth / Assets

16.50%-84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.18%-1.95%-1.67%-2.46%-2.80%+39 bps
Return on Equity-18.37%-10.89%-9.33%-14.35%-16.95%+141 bps
Net Interest Margin4.25%4.61%4.50%4.65%3.73%-52 bps
Efficiency Ratio198.01%150.45%141.61%149.65%169.84%-2,817 bps
Growth
Asset Growth (YoY)7.12%3.14%0.29%-2.09%-2.38%-950 bps
Loan Growth (YoY)23.51%26.96%-3.72%-27.05%-35.59%-5,910 bps
Share Growth (YoY)6.56%5.16%-3.92%-1.40%-1.38%-794 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 / Loans3.28%3.61%4.11%4.80%5.10%+182 bps
Capital
Risk-Based Capital17.34%17.86%17.85%17.14%16.50%-84 bps
Net Worth / Assets17.34%17.86%17.85%17.14%16.50%-84 bps
Liquidity & Funding
Loans / Shares40.10%37.47%32.94%28.04%26.19%-1,391 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps