Riverdale, IL · Charter 61230
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.01% | 0.06% | 0.07% | 0.30% | +21 bps | |
| Return on Equity | 0.48% | 0.05% | 0.29% | 0.38% | 1.78% | +130 bps | |
| Net Interest Margin | 3.43% | 3.51% | 3.39% | 3.34% | 3.55% | +12 bps | |
| Efficiency Ratio | 70.28% | 75.27% | 76.34% | 83.54% | 76.54% | +626 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.86% | -0.28% | 4.13% | 11.74% | 15.81% | +1,867 bps | |
| Loan Growth (YoY) | -3.14% | -3.88% | 13.02% | 25.85% | 41.39% | +4,453 bps | |
| Share Growth (YoY) | -2.82% | -0.05% | 5.38% | 15.74% | 20.33% | +2,314 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 1.15% | 0.79% | 0.30% | 0.55% | -25 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 | 19.65% | 19.78% | 18.74% | 17.37% | 17.09% | -256 bps | |
| Net Worth / Assets | 19.65% | 19.78% | 18.74% | 17.37% | 17.09% | -256 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.13% | 44.54% | 47.78% | 47.69% | 51.86% | +773 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |