Bannockburn, IL · Charter 60238
NCUA · 22 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 | 0.17% | -0.21% | 0.32% | 0.51% | 0.50% | 0.40% | 0.27% | 0.38% | -13 bps | |
| Return on Equity | 1.87% | -2.53% | 3.93% | 5.86% | 5.44% | 4.46% | 3.05% | 4.20% | -165 bps | |
| Net Interest Margin | 2.51% | 2.51% | 2.69% | 2.87% | 3.53% | 3.47% | 3.11% | 3.31% | +45 bps | |
| Efficiency Ratio | 93.74% | 100.12% | 86.58% | 83.49% | 83.14% | 82.63% | 85.70% | 83.90% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.85% | 12.82% | 6.68% | -8.66% | -3.49% | -5.34% | -6.14% | -1.98% | +668 bps | |
| Loan Growth (YoY) | 9.02% | 10.41% | 9.25% | -6.82% | -6.07% | -7.00% | -6.67% | -3.04% | +378 bps | |
| Share Growth (YoY) | 14.75% | 21.42% | 22.48% | 5.23% | 2.66% | -2.39% | -3.85% | -2.08% | -730 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 1.09% | 0.92% | 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 | 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 | 9.08% | 8.38% | 8.18% | 8.78% | 9.13% | 9.04% | 8.89% | 9.07% | +29 bps | |
| Net Worth / Assets | 9.08% | 8.38% | 8.18% | 8.78% | 9.13% | 9.04% | 8.89% | 9.07% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.07% | 95.98% | 89.86% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |