Chicago, IL · Charter 23245
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 | 0.67% | 0.59% | 1.48% | 1.45% | 1.47% | 0.91% | 1.08% | 1.15% | -30 bps | |
| Return on Equity | 3.75% | 3.35% | 8.26% | 8.23% | 8.35% | 5.38% | 6.59% | 6.99% | -124 bps | |
| Net Interest Margin | 1.97% | 1.85% | 2.75% | 2.68% | 2.62% | 2.03% | 2.34% | 2.38% | -30 bps | |
| Efficiency Ratio | 66.19% | 68.15% | 46.51% | 46.10% | 44.00% | 55.62% | 54.01% | 51.61% | +551 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | 2.90% | 3.80% | 4.54% | 8.68% | 11.04% | 15.01% | 12.12% | +758 bps | |
| Loan Growth (YoY) | -12.38% | -22.64% | -26.45% | -10.77% | -15.90% | -18.00% | -22.38% | 58.85% | +6,961 bps | |
| Share Growth (YoY) | 0.17% | 2.78% | 3.56% | 4.20% | 8.98% | 12.20% | 17.15% | 13.65% | +946 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 | 1.28% | 1.41% | 1.58% | 1.64% | 1.52% | 1.72% | 2.04% | 1.03% | -61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.80% | 17.72% | 17.88% | 17.62% | 17.57% | 16.86% | 16.36% | 16.50% | -112 bps | |
| Net Worth / Assets | 17.80% | 17.72% | 17.88% | 17.62% | 17.57% | 16.86% | 16.36% | 16.50% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 2.85% | 2.55% | 2.25% | 2.08% | 2.20% | 1.86% | 1.49% | 2.91% | +83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |