South Holland, IL · Charter 61368
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 0.20% | 0.45% | 0.41% | 0.38% | 0.15% | 0.34% | 0.00% | -41 bps | |
| Return on Equity | 8.40% | 1.52% | 3.45% | 3.33% | 3.01% | 1.17% | 2.69% | 0.03% | -330 bps | |
| Net Interest Margin | 2.79% | 2.35% | 3.06% | 2.98% | 3.03% | 3.06% | 3.10% | 3.42% | +44 bps | |
| Efficiency Ratio | 72.07% | 86.09% | 91.02% | 85.16% | 84.57% | 87.46% | 94.52% | 93.82% | +866 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.63% | 25.18% | 25.62% | 30.07% | 25.69% | 4.19% | 2.41% | -10.79% | -4,086 bps | |
| Loan Growth (YoY) | -11.58% | 78.35% | 80.06% | 128.56% | 115.71% | 12.82% | 11.67% | -6.23% | -13,478 bps | |
| Share Growth (YoY) | -0.59% | 27.95% | 26.65% | 33.80% | 30.25% | 2.99% | 1.63% | -12.65% | -4,646 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.35% | 0.82% | 0.58% | 0.63% | 0.32% | 0.30% | 0.94% | +37 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.45% | 13.13% | 12.98% | 12.40% | 12.55% | 12.57% | 12.62% | 13.64% | +124 bps | |
| Net Worth / Assets | 16.45% | 13.13% | 12.98% | 12.40% | 12.55% | 12.57% | 12.62% | 13.64% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.50% | 39.18% | 36.38% | 43.02% | 40.58% | 42.92% | 39.98% | 46.18% | +317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |