Chicago, IL · Charter 2505
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 | -0.16% | -0.10% | 0.76% | 0.52% | 0.06% | -0.13% | -1.06% | -1.86% | -238 bps | |
| Return on Equity | -0.64% | -0.41% | 3.10% | 2.03% | 0.24% | -0.52% | -4.00% | -7.19% | -921 bps | |
| Net Interest Margin | 4.53% | 4.42% | 4.34% | 4.43% | 4.45% | 4.54% | 4.48% | 4.52% | +9 bps | |
| Efficiency Ratio | 79.77% | 82.63% | 84.14% | 88.54% | 87.74% | 86.72% | 94.66% | 110.17% | +2,163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.14% | -2.49% | -3.29% | -5.04% | -4.22% | -7.11% | -8.95% | -5.79% | -76 bps | |
| Loan Growth (YoY) | 8.92% | 1.46% | 4.22% | 1.20% | 1.11% | 0.36% | -3.72% | -7.04% | -824 bps | |
| Share Growth (YoY) | -6.30% | -3.10% | -4.60% | -7.23% | -5.73% | -9.17% | -11.14% | -6.19% | +104 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.17% | 1.03% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.62% | 24.22% | 24.61% | 25.62% | 25.75% | 25.94% | 26.42% | 25.85% | +23 bps | |
| Net Worth / Assets | 24.62% | 24.22% | 24.61% | 25.62% | 25.75% | 25.94% | 26.42% | 25.85% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.50% | 40.61% | 39.93% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |