PackageTrendsPeer
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Sherwin Williams Emp.

South Holland, IL · Charter 61368

NCUA · 1 branch

Q2 2026

$37.0MAssets
$15.4MLoans
$33.3MShares
$5.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.00%, down 41 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.94% of loans (+37 bps YoY).
  • Capital: net worth / assets of 13.64%, up 124 bps from a year ago.
  • Funding: loans stand at 46.18% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.00%-41 bps YoY

Net Interest Margin (quarter, annualized)

3.42%+44 bps YoY

Efficiency Ratio (quarter, annualized)

93.82%+866 bps YoY

Net Worth / Assets

13.64%+124 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.38%0.15%0.34%0.00%-41 bps
Return on Equity3.33%3.01%1.17%2.69%0.03%-330 bps
Net Interest Margin2.98%3.03%3.06%3.10%3.42%+44 bps
Efficiency Ratio85.16%84.57%87.46%94.52%93.82%+866 bps
Growth
Asset Growth (YoY)30.07%25.69%4.19%2.41%-10.79%-4,086 bps
Loan Growth (YoY)128.56%115.71%12.82%11.67%-6.23%-13,478 bps
Share Growth (YoY)33.80%30.25%2.99%1.63%-12.65%-4,646 bps
Asset Quality
Delinquent Loans / Loans0.58%0.63%0.32%0.30%0.94%+37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.40%12.55%12.57%12.62%13.64%+124 bps
Net Worth / Assets12.40%12.55%12.57%12.62%13.64%+124 bps
Liquidity & Funding
Loans / Shares43.02%40.58%42.92%39.98%46.18%+317 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps