PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Trinity U.C.C.

Chicago, IL · Charter 23245

NCUA · 1 branch

Q2 2026

$4.2MAssets
$101KLoans
$3.5MShares
$689KNet 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 1.15%, down 30 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 16.50%, down 112 bps from a year ago.
  • Funding: loans stand at 2.91% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.15%-30 bps YoY

Net Interest Margin (quarter, annualized)

2.38%-30 bps YoY

Efficiency Ratio (quarter, annualized)

51.61%+551 bps YoY

Net Worth / Assets

16.50%-112 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.47%0.91%1.08%1.15%-30 bps
Return on Equity8.23%8.35%5.38%6.59%6.99%-124 bps
Net Interest Margin2.68%2.62%2.03%2.34%2.38%-30 bps
Efficiency Ratio46.10%44.00%55.62%54.01%51.61%+551 bps
Growth
Asset Growth (YoY)4.54%8.68%11.04%15.01%12.12%+758 bps
Loan Growth (YoY)-10.77%-15.90%-18.00%-22.38%58.85%+6,961 bps
Share Growth (YoY)4.20%8.98%12.20%17.15%13.65%+946 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 / Loans1.64%1.52%1.72%2.04%1.03%-61 bps
Capital
Risk-Based Capital17.62%17.57%16.86%16.36%16.50%-112 bps
Net Worth / Assets17.62%17.57%16.86%16.36%16.50%-112 bps
Liquidity & Funding
Loans / Shares2.08%2.20%1.86%1.49%2.91%+83 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps