Chicago, IL · Charter 60041
NCUA · 3 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 | 0.03% | -0.04% | -0.04% | -0.68% | -1.00% | -1.76% | -0.26% | -0.28% | +40 bps | |
| Return on Equity | 0.42% | -0.52% | -0.43% | -8.67% | -10.07% | -20.02% | -3.11% | -3.41% | +526 bps | |
| Net Interest Margin | 2.47% | 2.47% | 2.17% | 2.26% | 2.98% | 3.01% | 2.96% | 3.01% | +75 bps | |
| Efficiency Ratio | 86.58% | 86.38% | 93.14% | 100.93% | 108.42% | 126.60% | 109.57% | 112.79% | +1,186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.18% | -3.93% | -10.27% | -10.80% | -27.89% | -27.33% | -23.73% | -22.08% | -1,127 bps | |
| Loan Growth (YoY) | -18.08% | -18.87% | -20.09% | -20.64% | -20.84% | -11.83% | -11.70% | -10.89% | +974 bps | |
| Share Growth (YoY) | 2.04% | -2.83% | -6.72% | -8.32% | -10.97% | -8.60% | -7.47% | -5.50% | +282 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 1.83% | 1.54% | 1.48% | 1.37% | 0.73% | 0.42% | 0.92% | -55 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 | 8.04% | 7.90% | 8.16% | 7.89% | 9.93% | 8.79% | 8.38% | 8.19% | +30 bps | |
| Net Worth / Assets | 8.04% | 7.90% | 8.16% | 7.89% | 9.93% | 8.79% | 8.38% | 8.19% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.34% | 53.24% | 50.12% | 47.69% | 48.32% | 51.35% | 47.83% | 44.97% | -272 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |