Oak Park, IL · Charter 2370
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.33% | 0.71% | 0.52% | 0.51% | 0.24% | 0.20% | 0.46% | -6 bps | |
| Return on Equity | 3.49% | 1.97% | 4.27% | 3.12% | 3.14% | 1.48% | 1.20% | 2.70% | -42 bps | |
| Net Interest Margin | 4.86% | 4.93% | 4.89% | 4.61% | 4.54% | 4.39% | 4.25% | 4.28% | -33 bps | |
| Efficiency Ratio | 78.32% | 78.56% | 86.04% | 86.10% | 84.54% | 87.20% | 95.89% | 90.83% | +472 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.53% | -2.30% | -5.51% | -3.39% | 1.65% | 3.82% | 0.41% | -1.09% | +230 bps | |
| Loan Growth (YoY) | -9.35% | -7.55% | -4.91% | -5.35% | -7.77% | -11.68% | -9.66% | -6.20% | -86 bps | |
| Share Growth (YoY) | -3.75% | -3.22% | -7.31% | -4.53% | 1.37% | 4.27% | 0.34% | -1.57% | +296 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.03% | 3.56% | 3.83% | 3.37% | 6.21% | 2.62% | 5.02% | 1.38% | -198 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 | 3.03% | 2.82% | 3.19% | 3.22% | 2.94% | 2.42% | 3.09% | 2.92% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.31% | 16.54% | 16.64% | 16.56% | 16.33% | 16.17% | 16.69% | 16.96% | +40 bps | |
| Net Worth / Assets | 16.31% | 16.54% | 16.64% | 16.56% | 16.33% | 16.17% | 16.69% | 16.96% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.88% | 25.86% | 24.78% | 23.46% | 21.73% | 21.90% | 22.31% | 22.36% | -110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |