Homewood, IL · Charter 24711
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.51% | 0.21% | 0.08% | 0.24% | -0.40% | 0.10% | -4.35% | -444 bps | |
| Return on Equity | 6.45% | 6.22% | 2.53% | 0.95% | 2.64% | -4.31% | 0.97% | -51.82% | -5,277 bps | |
| Net Interest Margin | 3.75% | 3.75% | 3.79% | 3.80% | 4.22% | 3.67% | 4.43% | 4.84% | +104 bps | |
| Efficiency Ratio | 87.68% | 86.80% | 94.31% | 97.68% | 94.13% | 110.29% | 97.96% | 185.69% | +8,802 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.78% | -16.90% | -20.53% | -21.80% | -18.50% | -10.55% | -12.38% | -24.94% | -314 bps | |
| Loan Growth (YoY) | 53.39% | 32.73% | 4.12% | -5.11% | -16.32% | -14.27% | -18.80% | -21.79% | -1,667 bps | |
| Share Growth (YoY) | -3.46% | -18.85% | -22.47% | -23.68% | -20.17% | -11.53% | -13.70% | -24.66% | -97 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 1.74% | 3.76% | 3.26% | 2.60% | 2.07% | 2.03% | 2.97% | -29 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 | 1.37% | 1.40% | 1.54% | 1.65% | 1.88% | 1.91% | 2.10% | 2.31% | +66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.31% | 8.21% | 8.43% | 8.59% | 9.21% | 9.18% | 9.80% | 8.40% | -19 bps | |
| Net Worth / Assets | 7.31% | 8.21% | 8.43% | 8.59% | 9.21% | 9.18% | 9.80% | 8.40% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.29% | 50.84% | 51.53% | 51.18% | 48.52% | 49.26% | 48.49% | 53.13% | +195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |