Chicago, IL · Charter 60688
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 | 0.95% | 0.94% | 0.59% | 0.48% | 0.48% | 0.58% | 0.45% | 0.33% | -15 bps | |
| Return on Equity | 8.21% | 7.79% | 5.02% | 4.19% | 4.08% | 5.00% | 3.94% | 2.97% | -122 bps | |
| Net Interest Margin | 3.75% | 3.77% | 3.20% | 3.07% | 3.13% | 3.08% | 2.98% | 2.92% | -15 bps | |
| Efficiency Ratio | 74.79% | 75.45% | 81.56% | 84.23% | 84.75% | 81.64% | 84.86% | 88.55% | +432 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.95% | -3.22% | 2.07% | 2.37% | 3.51% | 8.97% | 7.68% | 7.49% | +512 bps | |
| Loan Growth (YoY) | -14.00% | -15.51% | -24.91% | -14.21% | -3.28% | -8.20% | 0.52% | -13.39% | +82 bps | |
| Share Growth (YoY) | -0.05% | -4.62% | 1.43% | 1.95% | 3.32% | 9.48% | 8.04% | 7.86% | +592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.39% | 5.32% | 20.73% | 4.78% | 1.01% | 0.61% | 0.46% | 0.31% | -447 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 | 5.62% | 5.75% | 6.79% | 6.10% | 2.47% | 2.39% | 2.57% | 2.68% | -342 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.52% | 12.01% | 11.75% | 11.54% | 11.68% | 11.60% | 11.46% | 11.24% | -31 bps | |
| Net Worth / Assets | 11.52% | 12.01% | 11.75% | 11.54% | 11.68% | 11.60% | 11.46% | 11.24% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.87% | 14.96% | 12.21% | 13.21% | 13.92% | 12.55% | 11.36% | 10.61% | -260 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |