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Chicago's Bravest

Chicago, IL · Charter 61560

NCUA · 2 branches

Q2 2026

$10.6MAssets
$6.1MLoans
$8.3MShares
$2.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.21%, down 74 bps year over year; NIM at 5.03%.
  • Asset quality: problem loans at 0.93% of loans (-10 bps YoY).
  • Capital: net worth / assets of 21.30%, up 100 bps from a year ago.
  • Funding: loans stand at 73.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%-74 bps YoY

Net Interest Margin (YTD, annualized)

5.03%-10 bps YoY

Efficiency Ratio (YTD, annualized)

74.64%+656 bps YoY

Net Worth / Assets

21.30%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.55%1.54%0.89%1.21%-74 bps
Return on Equity9.61%7.65%7.38%4.26%5.68%-393 bps
Net Interest Margin5.12%5.11%5.13%5.10%5.03%-10 bps
Efficiency Ratio68.08%72.04%73.13%78.29%74.64%+656 bps
Growth
Asset Growth (YoY)4.60%5.13%2.14%0.33%0.03%-458 bps
Loan Growth (YoY)-12.62%-15.05%-13.06%-16.14%-11.75%+86 bps
Share Growth (YoY)4.20%4.62%0.82%-1.35%-1.28%-548 bps
Asset Quality
Delinquent Loans / Loans1.03%0.34%0.97%0.67%0.93%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.30%20.22%20.83%20.98%21.30%+100 bps
Net Worth / Assets20.30%20.22%20.83%20.98%21.30%+100 bps
Liquidity & Funding
Loans / Shares82.44%79.37%80.80%74.93%73.69%-874 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps