Chicago, IL · Charter 60175
NCUA · 1 branch
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 | 1.07% | 0.81% | 1.32% | 1.58% | 1.51% | 1.02% | 0.47% | 0.91% | -67 bps | |
| Return on Equity | 7.30% | 5.51% | 8.96% | 10.34% | 9.65% | 6.57% | 3.08% | 6.03% | -431 bps | |
| Net Interest Margin | 4.35% | 4.75% | 4.62% | 4.93% | 4.91% | 5.05% | 3.84% | 4.27% | -66 bps | |
| Efficiency Ratio | 74.03% | 79.26% | 71.39% | 67.91% | 67.84% | 78.88% | 82.91% | 76.44% | +852 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.31% | -2.99% | 0.06% | 0.18% | 0.31% | 1.64% | 3.04% | 5.79% | +561 bps | |
| Loan Growth (YoY) | -1.02% | -1.11% | 2.84% | 2.02% | 4.25% | -1.00% | -8.10% | -8.94% | -1,096 bps | |
| Share Growth (YoY) | -4.53% | -4.24% | -0.63% | -1.04% | -0.93% | 0.77% | 2.62% | 6.00% | +703 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.43% | 0.34% | 0.22% | 0.13% | 0.25% | 0.36% | 0.54% | +31 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 | 14.59% | 14.71% | 14.74% | 15.29% | 15.68% | 15.49% | 15.09% | 15.12% | -16 bps | |
| Net Worth / Assets | 14.59% | 14.71% | 14.74% | 15.29% | 15.68% | 15.49% | 15.09% | 15.12% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.03% | 72.22% | 70.19% | 72.56% | 74.74% | 70.95% | 62.86% | 62.33% | -1,022 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |