Chicago, IL · Charter 24704
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 | -3.93% | -3.39% | 0.22% | 0.21% | -0.68% | -0.81% | -2.24% | -2.79% | -300 bps | |
| Return on Equity | -19.07% | -16.65% | 1.03% | 0.99% | -3.20% | -3.90% | -10.90% | -15.05% | -1,604 bps | |
| Net Interest Margin | 3.45% | 3.68% | 3.58% | 3.87% | 3.85% | 4.13% | 5.05% | 3.03% | -83 bps | |
| Efficiency Ratio | 150.91% | 144.98% | 88.24% | 86.58% | 100.84% | 108.52% | 131.97% | 166.72% | +8,014 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.73% | -3.47% | -9.23% | -6.79% | -10.33% | -6.78% | -5.79% | -0.20% | +659 bps | |
| Loan Growth (YoY) | -20.59% | -24.05% | -19.57% | 72.75% | 74.06% | 64.03% | 71.75% | -29.23% | -10,197 bps | |
| Share Growth (YoY) | -1.29% | 0.82% | -8.97% | -6.22% | -11.22% | -7.70% | -4.91% | 2.89% | +911 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.55% | 1.77% | 1.28% | 0.53% | 2.04% | 2.25% | 0.82% | -46 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 | 4.66% | 4.41% | 5.70% | 3.34% | 3.46% | 3.47% | 3.88% | 2.53% | -81 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.59% | 20.38% | 20.90% | 20.98% | 21.41% | 20.83% | 20.52% | 18.54% | -245 bps | |
| Net Worth / Assets | 20.59% | 20.38% | 20.90% | 20.98% | 21.41% | 20.83% | 20.52% | 18.54% | -245 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.29% | 20.36% | 19.26% | 41.08% | 39.79% | 36.18% | 34.78% | 28.26% | -1,282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |