PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National Police

Chicago, IL · Charter 2876

NCUA · 8 branches

Q2 2026

$620.7MAssets
$317.2MLoans
$542.5MShares
$55.0MNet 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 0.61%, up 8 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.77% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.86%, up 4 bps from a year ago.
  • Funding: loans stand at 58.48% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.04%+6 bps YoY

Efficiency Ratio (YTD, annualized)

76.72%-87 bps YoY

Net Worth / Assets

8.86%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.58%0.62%0.57%0.61%+8 bps
Return on Equity5.96%6.53%6.93%6.54%6.89%+93 bps
Net Interest Margin2.98%3.03%3.09%3.01%3.04%+6 bps
Efficiency Ratio77.59%76.89%76.45%78.36%76.72%-87 bps
Growth
Asset Growth (YoY)-0.30%0.07%2.46%3.92%6.14%+644 bps
Loan Growth (YoY)-10.57%-8.61%0.35%1.61%5.68%+1,625 bps
Share Growth (YoY)5.31%5.70%4.64%2.19%0.71%-461 bps
Asset Quality
Delinquent Loans / Loans0.76%0.85%0.76%0.67%0.77%0 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 Capital8.83%8.92%9.01%8.78%8.86%+4 bps
Net Worth / Assets8.83%8.92%9.01%8.78%8.86%+4 bps
Liquidity & Funding
Loans / Shares55.73%55.31%59.34%57.19%58.48%+275 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps