Chicago, IL · Charter 18882
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.35% | 4.93% | -1.13% | -3.18% | -1.95% | -1.67% | -2.46% | -2.80% | +39 bps | |
| Return on Equity | 32.15% | 33.79% | -6.35% | -18.37% | -10.89% | -9.33% | -14.35% | -16.95% | +141 bps | |
| Net Interest Margin | 5.34% | 5.19% | 3.91% | 4.25% | 4.61% | 4.50% | 4.65% | 3.73% | -52 bps | |
| Efficiency Ratio | 42.60% | 47.51% | 128.18% | 198.01% | 150.45% | 141.61% | 149.65% | 169.84% | -2,817 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | 5.96% | 7.26% | 7.12% | 3.14% | 0.29% | -2.09% | -2.38% | -950 bps | |
| Loan Growth (YoY) | 14.26% | 40.50% | 65.36% | 23.51% | 26.96% | -3.72% | -27.05% | -35.59% | -5,910 bps | |
| Share Growth (YoY) | -8.80% | 5.25% | 5.87% | 6.56% | 5.16% | -3.92% | -1.40% | -1.38% | -794 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 4.58% | 3.96% | 3.50% | 3.28% | 3.61% | 4.11% | 4.80% | 5.10% | +182 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.73% | 14.60% | 17.76% | 17.34% | 17.86% | 17.85% | 17.14% | 16.50% | -84 bps | |
| Net Worth / Assets | 19.73% | 14.60% | 17.76% | 17.34% | 17.86% | 17.85% | 17.14% | 16.50% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.03% | 32.88% | 37.90% | 40.10% | 37.47% | 32.94% | 28.04% | 26.19% | -1,391 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |