Waukegan, IL · Charter 24614
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.40% | 2.58% | 0.98% | 0.45% | 0 bps | |
| Return on Equity | 2.42% | 2.08% | 15.01% | 5.75% | 2.42% | 0 bps | |
| Net Interest Margin | 1.93% | 1.79% | 2.08% | 2.06% | 1.93% | 0 bps | |
| Efficiency Ratio | 77.24% | 78.30% | 46.51% | 61.69% | 77.24% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.72% | -8.23% | 22.38% | 27.84% | 0.00% | +672 bps | |
| Loan Growth (YoY) | 3.08% | -7.33% | -13.20% | -30.62% | 0.00% | -308 bps | |
| Share Growth (YoY) | -9.06% | -11.01% | 19.89% | 33.70% | 0.00% | +906 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.45% | 4.55% | 0.00% | 0.00% | 4.45% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 61.49% | 68.88% | 76.77% | 82.57% | 61.49% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.63% | 19.01% | 17.16% | 17.00% | 18.63% | 0 bps | |
| Net Worth / Assets | 18.63% | 19.01% | 17.16% | 17.00% | 18.63% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 11.35% | 10.36% | 6.09% | 5.87% | 11.35% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |