Waukegan, IL · Charter 24614
NCUA · 2 branches
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 | 1.51% | 0.21% | 0.37% | 0.45% | 0.40% | 2.58% | 0.98% | 0.45% | 0 bps | |
| Return on Equity | 8.92% | 1.35% | 1.80% | 2.42% | 2.08% | 15.01% | 5.75% | 2.42% | 0 bps | |
| Net Interest Margin | 3.00% | 1.98% | 3.24% | 1.93% | 1.79% | 2.08% | 2.06% | 1.93% | 0 bps | |
| Efficiency Ratio | 49.81% | 89.47% | 88.70% | 77.24% | 78.30% | 46.51% | 61.69% | 77.24% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.69% | 0.00% | -3.48% | -6.72% | -8.23% | 22.38% | 27.84% | 0.00% | +672 bps | |
| Loan Growth (YoY) | -9.24% | 0.00% | 17.96% | 3.08% | -7.33% | -13.20% | -30.62% | 0.00% | -308 bps | |
| Share Growth (YoY) | -7.41% | 0.00% | -8.45% | -9.06% | -11.01% | 19.89% | 33.70% | 0.00% | +906 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.31% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 63.83% | 71.51% | 61.49% | 61.49% | 68.88% | 76.77% | 82.57% | 61.49% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.90% | 15.45% | 20.61% | 18.63% | 19.01% | 17.16% | 17.00% | 18.63% | 0 bps | |
| Net Worth / Assets | 16.90% | 15.45% | 20.61% | 18.63% | 19.01% | 17.16% | 17.00% | 18.63% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.95% | 8.40% | 11.31% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |