Chicago, IL · Charter 2495
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 | 0.66% | 0.42% | 0.41% | 0.92% | 0.95% | 1.16% | 0.21% | 0.13% | -79 bps | |
| Return on Equity | 1.27% | 0.80% | 0.79% | 1.77% | 1.67% | 2.03% | 0.38% | 0.23% | -153 bps | |
| Net Interest Margin | 4.51% | 4.68% | 4.46% | 4.59% | 4.99% | 5.10% | 5.01% | 5.13% | +54 bps | |
| Efficiency Ratio | 86.50% | 89.17% | 91.97% | 82.26% | 80.59% | 75.58% | 69.35% | 76.67% | -559 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.04% | -4.18% | -1.89% | -0.19% | -8.22% | -6.56% | -7.00% | -7.51% | -732 bps | |
| Loan Growth (YoY) | 1.18% | 1.16% | 2.88% | 3.50% | 1.96% | 6.04% | 13.99% | 11.90% | +840 bps | |
| Share Growth (YoY) | -8.33% | -8.76% | -4.37% | -1.64% | -19.47% | -17.03% | -17.64% | -17.73% | -1,609 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.95% | 10.20% | 12.37% | 20.94% | 18.03% | 17.53% | 16.95% | 18.59% | -235 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 | 8.14% | 8.30% | 8.97% | 9.26% | 7.81% | 8.15% | 10.18% | 8.83% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 51.50% | 52.49% | 51.63% | 52.01% | 56.75% | 57.24% | 56.50% | 56.85% | +484 bps | |
| Net Worth / Assets | 51.50% | 52.49% | 51.63% | 52.01% | 56.75% | 57.24% | 56.50% | 56.85% | +484 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.52% | 35.15% | 32.45% | 31.76% | 38.63% | 44.93% | 44.92% | 43.19% | +1,144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |