PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chicago Area Office

Chicago, IL · Charter 5045

NCUA · 1 branch

Q2 2026

$9.4MAssets
$2.5MLoans
$7.4MShares
$1.9MNet 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 -1.54%, up 48 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 6.32% of loans (+243 bps YoY).
  • Capital: net worth / assets of 20.49%, down 125 bps from a year ago.
  • Funding: loans stand at 34.03% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.54%+48 bps YoY

Net Interest Margin (quarter, annualized)

3.38%-110 bps YoY

Efficiency Ratio (quarter, annualized)

138.51%+3,451 bps YoY

Net Worth / Assets

20.49%-125 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.02%-1.46%-1.14%-1.94%-1.54%+48 bps
Return on Equity-9.30%-6.75%-5.19%-9.34%-7.53%+177 bps
Net Interest Margin4.49%4.55%4.57%4.31%3.38%-110 bps
Efficiency Ratio104.00%104.88%104.22%141.99%138.51%+3,451 bps
Growth
Asset Growth (YoY)-5.38%-4.27%-3.01%-1.11%1.00%+637 bps
Loan Growth (YoY)-6.79%-5.33%-9.73%-7.99%-7.60%-81 bps
Share Growth (YoY)-5.82%-4.32%-2.43%-0.02%1.66%+747 bps
Asset Quality
Delinquent Loans / Loans3.89%2.57%3.90%5.42%6.32%+243 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 Capital21.74%21.58%22.03%20.76%20.49%-125 bps
Net Worth / Assets21.74%21.58%22.03%20.76%20.49%-125 bps
Liquidity & Funding
Loans / Shares37.44%39.23%39.27%35.39%34.03%-341 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps