River Forest, IL · Charter 61448
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 | 0.71% | 0.64% | 0.46% | 0.29% | -0.39% | -110 bps | |
| Return on Equity | 6.61% | 5.86% | 3.97% | 2.53% | -3.43% | -1,004 bps | |
| Net Interest Margin | 4.35% | 4.59% | 4.91% | 4.73% | 4.20% | -15 bps | |
| Efficiency Ratio | 81.61% | 82.82% | 88.20% | 94.38% | 108.25% | +2,664 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.88% | -6.34% | -14.17% | -8.18% | -5.71% | +117 bps | |
| Loan Growth (YoY) | -3.43% | -5.94% | -0.13% | 0.85% | -0.95% | +248 bps | |
| Share Growth (YoY) | -8.30% | -7.64% | -16.10% | -9.60% | -6.28% | +202 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.66% | 1.66% | 1.69% | 1.74% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.80% | 10.95% | 11.58% | 11.53% | 11.34% | +54 bps | |
| Net Worth / Assets | 10.80% | 10.95% | 11.58% | 11.53% | 11.34% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.17% | 75.32% | 80.83% | 78.04% | 76.27% | +411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |