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Letter portraitLegal landscapeQuarterYTD

Dupage County Employees

Wheaton, IL · Charter 61290

NCUA · 1 branch

Q2 2026

$17.9MAssets
$9.3MLoans
$15.0MShares
$2.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.24%, down 210 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 0.77% of loans (+39 bps YoY).
  • Capital: net worth / assets of 15.81%, up 142 bps from a year ago.
  • Funding: loans stand at 61.98% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.24%-210 bps YoY

Net Interest Margin (YTD, annualized)

4.35%-41 bps YoY

Efficiency Ratio (YTD, annualized)

78.78%+2,397 bps YoY

Net Worth / Assets

15.81%+142 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.92%1.94%2.35%2.56%2.06%-0.29%0.24%-210 bps
Return on Equity12.36%14.62%14.14%16.31%16.21%13.29%-1.83%1.53%-1,478 bps
Net Interest Margin4.33%4.06%5.16%4.76%5.00%4.81%3.91%4.35%-41 bps
Efficiency Ratio65.92%57.72%65.81%54.81%52.80%56.14%78.72%78.78%+2,397 bps
Growth
Asset Growth (YoY)-14.00%-4.84%-1.86%1.06%3.99%-1.42%-1.99%-4.93%-599 bps
Loan Growth (YoY)9.84%8.00%1.24%-1.32%-2.74%-6.69%-8.69%-8.26%-694 bps
Share Growth (YoY)-17.51%-7.50%-4.71%-1.74%1.12%-4.67%-5.07%-6.57%-484 bps
Asset Quality
Delinquent Loans / Loans0.15%0.19%0.14%0.38%0.40%0.51%1.17%0.77%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.13%0.13%0.13%0.18%0.00%0.00%0.00%0.00%-18 bps
Capital
Risk-Based Capital13.37%13.14%13.69%14.39%15.77%15.51%15.75%15.81%+142 bps
Net Worth / Assets13.37%13.14%13.69%14.39%15.77%15.51%15.75%15.81%+142 bps
Liquidity & Funding
Loans / Shares68.50%64.31%63.77%63.12%65.89%62.94%61.34%61.98%-114 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps