Chicago, IL · Charter 2876
NCUA · 8 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 | 0.26% | 0.31% | 0.41% | 0.53% | 0.58% | 0.62% | 0.57% | 0.61% | +8 bps | |
| Return on Equity | 3.11% | 3.55% | 4.84% | 5.96% | 6.53% | 6.93% | 6.54% | 6.89% | +93 bps | |
| Net Interest Margin | 2.50% | 2.64% | 2.85% | 2.98% | 3.03% | 3.09% | 3.01% | 3.04% | +6 bps | |
| Efficiency Ratio | 86.26% | 84.90% | 78.58% | 77.59% | 76.89% | 76.45% | 78.36% | 76.72% | -87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.92% | 0.20% | 1.44% | -0.30% | 0.07% | 2.46% | 3.92% | 6.14% | +644 bps | |
| Loan Growth (YoY) | -6.02% | -11.01% | -10.51% | -10.57% | -8.61% | 0.35% | 1.61% | 5.68% | +1,625 bps | |
| Share Growth (YoY) | 9.49% | 3.05% | 4.32% | 5.31% | 5.70% | 4.64% | 2.19% | 0.71% | -461 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.96% | 0.80% | 0.76% | 0.85% | 0.76% | 0.67% | 0.77% | 0 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 | 8.50% | 8.71% | 8.57% | 8.83% | 8.92% | 9.01% | 8.78% | 8.86% | +4 bps | |
| Net Worth / Assets | 8.50% | 8.71% | 8.57% | 8.83% | 8.92% | 9.01% | 8.78% | 8.86% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.98% | 61.87% | 57.52% | 55.73% | 55.31% | 59.34% | 57.19% | 58.48% | +275 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |