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Cta-74th Street Depot

Chicago, IL · Charter 2498

NCUA · 1 branch

Q2 2026

$8.6MAssets
$2.8MLoans
$7.1MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.43%, down 63 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 6.53% of loans (+209 bps YoY).
  • Capital: net worth / assets of 16.69%, up 72 bps from a year ago.
  • Funding: loans stand at 38.95% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.43%-63 bps YoY

Net Interest Margin (quarter, annualized)

3.43%-32 bps YoY

Efficiency Ratio (quarter, annualized)

110.40%+1,557 bps YoY

Net Worth / Assets

16.69%+72 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.16%0.04%-0.58%-0.43%-63 bps
Return on Equity1.28%0.97%0.26%-3.39%-2.57%-386 bps
Net Interest Margin3.75%3.74%3.73%3.50%3.43%-32 bps
Efficiency Ratio94.83%96.05%98.93%112.95%110.40%+1,557 bps
Growth
Asset Growth (YoY)-2.75%-2.87%-4.05%-7.46%-5.92%-317 bps
Loan Growth (YoY)-9.06%-10.29%-15.32%-21.96%-20.74%-1,168 bps
Share Growth (YoY)-3.71%-3.54%-4.51%-7.91%-6.58%-287 bps
Asset Quality
Delinquent Loans / Loans4.45%8.44%5.50%5.80%6.53%+209 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.97%16.09%16.41%16.99%16.69%+72 bps
Net Worth / Assets15.97%16.09%16.41%16.99%16.69%+72 bps
Liquidity & Funding
Loans / Shares45.90%43.67%42.07%41.98%38.95%-696 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps