PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Planites

Chicago, IL · Charter 61643

NCUA · 1 branch

Q2 2026

$39.8MAssets
$17.3MLoans
$35.1MShares
$4.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, up 10 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.85% of loans (-52 bps YoY).
  • Capital: net worth / assets of 11.28%, up 67 bps from a year ago.
  • Funding: loans stand at 49.22% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.50%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+20 bps YoY

Efficiency Ratio (YTD, annualized)

80.88%-196 bps YoY

Net Worth / Assets

11.28%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.25%0.36%0.40%0.55%0.50%0.47%0.50%+10 bps
Return on Equity2.12%2.20%3.31%3.73%4.92%4.33%4.13%4.41%+68 bps
Net Interest Margin2.74%2.82%2.92%2.93%3.11%3.20%3.13%3.14%+20 bps
Efficiency Ratio89.10%88.46%82.33%82.84%80.12%80.50%81.67%80.88%-196 bps
Growth
Asset Growth (YoY)-0.50%-0.22%2.80%5.25%3.92%1.83%0.38%-1.32%-658 bps
Loan Growth (YoY)-0.50%4.52%0.98%-4.65%-2.47%-5.75%-3.74%-2.70%+195 bps
Share Growth (YoY)-0.87%-0.14%3.01%5.87%3.86%1.56%-0.14%-2.08%-795 bps
Asset Quality
Delinquent Loans / Loans1.24%0.32%0.25%1.38%0.57%0.55%0.85%0.85%-52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.13%11.27%10.81%10.62%11.19%11.56%11.28%11.28%+67 bps
Net Worth / Assets11.13%11.27%10.81%10.62%11.19%11.56%11.28%11.28%+67 bps
Liquidity & Funding
Loans / Shares55.60%57.52%52.01%49.54%52.21%53.38%50.13%49.22%-32 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps