Aurora, IL · Charter 61425
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 | 1.64% | 1.84% | 1.51% | 1.37% | 1.17% | -47 bps | |
| Return on Equity | 10.65% | 12.06% | 10.07% | 8.98% | 7.27% | -337 bps | |
| Net Interest Margin | 5.03% | 5.00% | 4.85% | 4.75% | 4.72% | -31 bps | |
| Efficiency Ratio | 68.03% | 63.78% | 69.46% | 71.58% | 75.63% | +760 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.72% | 6.01% | 6.64% | 1.51% | 4.64% | +92 bps | |
| Loan Growth (YoY) | -22.50% | -24.03% | -31.09% | -24.57% | -34.20% | -1,170 bps | |
| Share Growth (YoY) | 2.18% | 4.94% | 5.89% | 0.01% | 3.77% | +159 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.44% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.78% | 0.89% | 0.94% | 1.11% | +38 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.37% | 15.29% | 14.96% | 15.31% | 16.05% | +68 bps | |
| Net Worth / Assets | 15.37% | 15.29% | 14.96% | 15.31% | 16.05% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.95% | 63.16% | 53.57% | 50.42% | 44.99% | -2,596 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |