Joliet, IL · Charter 61447
NCUA · 12 branches
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 | 0.74% | 0.77% | 0.48% | 0.65% | 0.72% | 0.67% | 0.51% | 0.62% | -4 bps | |
| Return on Equity | 7.28% | 7.60% | 4.82% | 6.37% | 6.94% | 6.43% | 5.15% | 6.01% | -36 bps | |
| Net Interest Margin | 3.49% | 3.49% | 3.57% | 3.79% | 3.86% | 3.90% | 3.89% | 4.04% | +25 bps | |
| Efficiency Ratio | 81.74% | 80.88% | 86.78% | 83.98% | 83.25% | 83.65% | 86.11% | 84.47% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.65% | 11.06% | 12.56% | 12.10% | 6.08% | 4.04% | 7.99% | 6.87% | -522 bps | |
| Loan Growth (YoY) | 3.72% | 5.09% | 6.40% | 7.44% | 5.94% | 4.33% | 2.91% | 0.96% | -648 bps | |
| Share Growth (YoY) | 2.20% | 6.18% | 7.54% | 7.07% | 6.23% | 3.71% | 8.69% | 8.11% | +104 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.04% | 0.93% | 1.02% | 1.31% | 1.28% | 0.94% | 1.30% | +28 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 | 10.21% | 10.19% | 10.00% | 10.26% | 10.39% | 10.47% | 9.90% | 10.24% | -2 bps | |
| Net Worth / Assets | 10.21% | 10.19% | 10.00% | 10.26% | 10.39% | 10.47% | 9.90% | 10.24% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.88% | 86.40% | 84.29% | 87.39% | 87.63% | 86.92% | 79.80% | 81.61% | -578 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |