Chicago, IL · Charter 2505
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.06% | -0.13% | -1.06% | -1.86% | -238 bps | |
| Return on Equity | 2.03% | 0.24% | -0.52% | -4.00% | -7.19% | -921 bps | |
| Net Interest Margin | 4.43% | 4.45% | 4.54% | 4.48% | 4.52% | +9 bps | |
| Efficiency Ratio | 88.54% | 87.74% | 86.72% | 94.66% | 110.17% | +2,163 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.04% | -4.22% | -7.11% | -8.95% | -5.79% | -76 bps | |
| Loan Growth (YoY) | 1.20% | 1.11% | 0.36% | -3.72% | -7.04% | -824 bps | |
| Share Growth (YoY) | -7.23% | -5.73% | -9.17% | -11.14% | -6.19% | +104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 2.44% | 2.23% | 0.79% | 2.92% | +104 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.62% | 25.75% | 25.94% | 26.42% | 25.85% | +23 bps | |
| Net Worth / Assets | 25.62% | 25.75% | 25.94% | 26.42% | 25.85% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.79% | 39.15% | 44.87% | 43.27% | 40.42% | -37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |