Gurnee, IL · Charter 60543
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.96% | 0.90% | 0.92% | 0.91% | 0.90% | 1.10% | 1.03% | +12 bps | |
| Return on Equity | 8.68% | 8.70% | 8.15% | 8.05% | 7.83% | 7.86% | 9.59% | 8.76% | +71 bps | |
| Net Interest Margin | 3.26% | 3.14% | 3.06% | 3.17% | 3.20% | 3.12% | 3.14% | 3.23% | +5 bps | |
| Efficiency Ratio | 72.48% | 72.16% | 74.25% | 73.86% | 74.43% | 74.39% | 70.75% | 72.24% | -161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 3.20% | 3.55% | 3.45% | 4.90% | 4.43% | 4.14% | 4.54% | +109 bps | |
| Loan Growth (YoY) | -0.38% | -1.39% | -1.04% | -0.99% | 1.05% | 4.76% | 6.78% | 8.45% | +945 bps | |
| Share Growth (YoY) | 1.07% | 2.57% | 2.54% | 2.41% | 4.27% | 3.88% | 3.91% | 4.10% | +170 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.24% | 0.33% | 0.25% | 0.29% | 0.13% | 0.09% | 0.08% | -18 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 | 11.23% | 11.07% | 10.99% | 11.37% | 11.59% | 11.45% | 11.45% | 11.79% | +42 bps | |
| Net Worth / Assets | 11.23% | 11.07% | 10.99% | 11.37% | 11.59% | 11.45% | 11.45% | 11.79% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.51% | 45.45% | 43.77% | 45.22% | 46.05% | 45.83% | 44.98% | 47.11% | +189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |