PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Federal Center Employees

Chicago, IL · Charter 61793

NCUA · 2 branches

Q4 2025

$101.7MAssets
$27.5MLoans
$88.2MShares
$13.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.16%, up 46 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.54% of loans (-19 bps YoY).
  • Capital: net worth / assets of 12.85%, up 101 bps from a year ago.
  • Funding: loans stand at 31.19% of shares as of Q4 2025.

Return on Assets (YTD, annualized)

1.16%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+63 bps YoY

Efficiency Ratio (YTD, annualized)

75.85%-768 bps YoY

Net Worth / Assets

12.85%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.50%0.55%0.63%0.70%0.79%1.03%1.13%1.16%+46 bps
Return on Equity4.45%4.83%5.44%5.89%6.78%8.51%9.07%9.03%+314 bps
Net Interest Margin3.09%3.10%3.24%3.32%3.57%3.71%3.82%3.95%+63 bps
Efficiency Ratio88.05%86.26%84.00%83.53%81.90%78.47%76.18%75.85%-768 bps
Growth
Asset Growth (YoY)-2.73%-1.59%-2.43%0.30%2.19%2.20%3.15%2.37%+207 bps
Loan Growth (YoY)-0.80%-3.79%-8.97%-10.31%-8.20%-6.12%-2.99%-1.08%+924 bps
Share Growth (YoY)-3.47%-2.35%-3.28%-0.58%1.58%1.17%1.95%1.37%+195 bps
Asset Quality
Delinquent Loans / Loans0.61%0.74%0.70%0.74%0.53%0.67%0.74%0.54%-19 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 Capital11.16%11.35%11.63%11.84%11.67%12.15%12.46%12.85%+101 bps
Net Worth / Assets11.16%11.35%11.63%11.84%11.67%12.15%12.46%12.85%+101 bps
Liquidity & Funding
Loans / Shares33.73%33.27%32.75%31.96%30.48%30.87%31.16%31.19%-77 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps