Bannockburn, IL · Charter 60238
NCUA · 22 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.50% | 0.40% | 0.27% | 0.38% | -13 bps | |
| Return on Equity | 5.86% | 5.44% | 4.46% | 3.05% | 4.20% | -165 bps | |
| Net Interest Margin | 2.87% | 3.53% | 3.47% | 3.11% | 3.31% | +45 bps | |
| Efficiency Ratio | 83.49% | 83.14% | 82.63% | 85.70% | 83.90% | +41 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.66% | -3.49% | -5.34% | -6.14% | -1.98% | +668 bps | |
| Loan Growth (YoY) | -6.82% | -6.07% | -7.00% | -6.67% | -3.04% | +378 bps | |
| Share Growth (YoY) | 5.23% | 2.66% | -2.39% | -3.85% | -2.08% | -730 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 1.15% | 1.46% | 0.82% | 1.26% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.78% | 9.13% | 9.04% | 8.89% | 9.07% | +29 bps | |
| Net Worth / Assets | 8.78% | 9.13% | 9.04% | 8.89% | 9.07% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.83% | 91.56% | 91.44% | 87.22% | 89.93% | -90 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |