PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Vicinity

Chicago, IL · Charter 60041

NCUA · 3 branches

Q2 2026

$203.9MAssets
$86.7MLoans
$192.7MShares
$16.7MNet 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 -0.28%, up 40 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.92% of loans (-55 bps YoY).
  • Capital: net worth / assets of 8.19%, up 30 bps from a year ago.
  • Funding: loans stand at 44.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.28%+40 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+75 bps YoY

Efficiency Ratio (YTD, annualized)

112.79%+1,186 bps YoY

Net Worth / Assets

8.19%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.68%-1.00%-1.76%-0.26%-0.28%+40 bps
Return on Equity-8.67%-10.07%-20.02%-3.11%-3.41%+526 bps
Net Interest Margin2.26%2.98%3.01%2.96%3.01%+75 bps
Efficiency Ratio100.93%108.42%126.60%109.57%112.79%+1,186 bps
Growth
Asset Growth (YoY)-10.80%-27.89%-27.33%-23.73%-22.08%-1,127 bps
Loan Growth (YoY)-20.64%-20.84%-11.83%-11.70%-10.89%+974 bps
Share Growth (YoY)-8.32%-10.97%-8.60%-7.47%-5.50%+282 bps
Asset Quality
Delinquent Loans / Loans1.48%1.37%0.73%0.42%0.92%-55 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 Capital7.89%9.93%8.79%8.38%8.19%+30 bps
Net Worth / Assets7.89%9.93%8.79%8.38%8.19%+30 bps
Liquidity & Funding
Loans / Shares47.69%48.32%51.35%47.83%44.97%-272 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps