Chicago, IL · Charter 5045
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | -0.20% | -1.70% | -2.02% | -1.46% | -1.14% | -1.94% | -1.54% | +48 bps | |
| Return on Equity | -1.55% | -0.88% | -7.80% | -9.30% | -6.75% | -5.19% | -9.34% | -7.53% | +177 bps | |
| Net Interest Margin | 4.54% | 4.67% | 4.39% | 4.49% | 4.55% | 4.57% | 4.31% | 3.38% | -110 bps | |
| Efficiency Ratio | 101.24% | 99.76% | 113.84% | 104.00% | 104.88% | 104.22% | 141.99% | 138.51% | +3,451 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.74% | -4.27% | -3.39% | -5.38% | -4.27% | -3.01% | -1.11% | 1.00% | +637 bps | |
| Loan Growth (YoY) | 8.47% | 3.65% | 0.30% | -6.79% | -5.33% | -9.73% | -7.99% | -7.60% | -81 bps | |
| Share Growth (YoY) | -3.58% | -5.49% | -4.30% | -5.82% | -4.32% | -2.43% | -0.02% | 1.66% | +747 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.16% | 5.65% | 5.74% | 3.89% | 2.57% | 3.90% | 5.42% | 6.32% | +243 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 | 21.63% | 22.55% | 21.75% | 21.74% | 21.58% | 22.03% | 20.76% | 20.49% | -125 bps | |
| Net Worth / Assets | 21.63% | 22.55% | 21.75% | 21.74% | 21.58% | 22.03% | 20.76% | 20.49% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.65% | 42.45% | 38.46% | 37.44% | 39.23% | 39.27% | 35.39% | 34.03% | -341 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |