Wheaton, IL · Charter 61290
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 | 2.35% | 2.56% | 2.06% | -0.29% | 0.24% | -210 bps | |
| Return on Equity | 16.31% | 16.21% | 13.29% | -1.83% | 1.53% | -1,478 bps | |
| Net Interest Margin | 4.76% | 5.00% | 4.81% | 3.91% | 4.35% | -41 bps | |
| Efficiency Ratio | 54.81% | 52.80% | 56.14% | 78.72% | 78.78% | +2,397 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.06% | 3.99% | -1.42% | -1.99% | -4.93% | -599 bps | |
| Loan Growth (YoY) | -1.32% | -2.74% | -6.69% | -8.69% | -8.26% | -694 bps | |
| Share Growth (YoY) | -1.74% | 1.12% | -4.67% | -5.07% | -6.57% | -484 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.40% | 0.51% | 1.17% | 0.77% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.00% | 0.00% | 0.00% | 0.00% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.39% | 15.77% | 15.51% | 15.75% | 15.81% | +142 bps | |
| Net Worth / Assets | 14.39% | 15.77% | 15.51% | 15.75% | 15.81% | +142 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.12% | 65.89% | 62.94% | 61.34% | 61.98% | -114 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |