Chicago, IL · Charter 60923
NCUA · 2 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 | 5.06% | 1.60% | 3.60% | 7.12% | 7.67% | 5.02% | 3.80% | 2.94% | -418 bps | |
| Return on Equity | 38.49% | 12.70% | 28.28% | 53.61% | 54.34% | 34.73% | 25.33% | 19.21% | -3,441 bps | |
| Net Interest Margin | 5.11% | 4.15% | 3.79% | 3.21% | 2.22% | 2.04% | 3.41% | 2.98% | -23 bps | |
| Efficiency Ratio | 55.33% | 85.35% | 56.37% | 57.34% | 44.25% | 54.57% | 56.83% | 70.71% | +1,337 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.59% | -3.65% | 4.39% | 5.11% | 13.24% | 11.61% | 6.65% | 4.01% | -110 bps | |
| Loan Growth (YoY) | -21.29% | -25.46% | -28.52% | -0.99% | 6.90% | 10.46% | 18.82% | -3.70% | -270 bps | |
| Share Growth (YoY) | -5.57% | -4.31% | -2.49% | -1.27% | 0.12% | -2.59% | -0.39% | -0.65% | +63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.62% | 4.61% | 4.19% | 28.12% | 48.77% | 9.13% | 11.19% | 11.24% | -1,688 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 | 4.99% | 5.38% | 5.90% | 4.56% | 4.67% | 4.87% | 4.97% | 4.74% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.15% | 12.64% | 12.72% | 13.28% | 14.11% | 14.46% | 15.02% | 15.33% | +205 bps | |
| Net Worth / Assets | 13.15% | 12.64% | 12.72% | 13.28% | 14.11% | 14.46% | 15.02% | 15.33% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.10% | 31.19% | 28.83% | 37.19% | 36.41% | 35.37% | 34.39% | 36.04% | -114 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |