River Forest, IL · Charter 61448
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.54% | 0.15% | 0.71% | 0.64% | 0.46% | 0.29% | -0.39% | -110 bps | |
| Return on Equity | 8.68% | 5.65% | 1.43% | 6.61% | 5.86% | 3.97% | 2.53% | -3.43% | -1,004 bps | |
| Net Interest Margin | 4.20% | 4.24% | 3.56% | 4.35% | 4.59% | 4.91% | 4.73% | 4.20% | -15 bps | |
| Efficiency Ratio | 81.08% | 86.38% | 95.63% | 81.61% | 82.82% | 88.20% | 94.38% | 108.25% | +2,664 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.37% | 6.69% | -2.21% | -6.88% | -6.34% | -14.17% | -8.18% | -5.71% | +117 bps | |
| Loan Growth (YoY) | 11.98% | 1.50% | -1.47% | -3.43% | -5.94% | -0.13% | 0.85% | -0.95% | +248 bps | |
| Share Growth (YoY) | -0.27% | 6.76% | -3.03% | -8.30% | -7.64% | -16.10% | -9.60% | -6.28% | +202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.27% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.38% | 1.47% | 1.61% | 1.66% | 1.66% | 1.69% | 1.74% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.66% | 9.55% | 10.14% | 10.80% | 10.95% | 11.58% | 11.53% | 11.34% | +54 bps | |
| Net Worth / Assets | 9.66% | 9.55% | 10.14% | 10.80% | 10.95% | 11.58% | 11.53% | 11.34% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.96% | 67.91% | 69.96% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |