PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Midwest Coalition of Labor

Countryside, IL · Charter 61847

NCUA · 1 branch

Q2 2026

$77.1MAssets
$52.2MLoans
$64.9MShares
$11.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.57%, up 1 bps year over year; NIM at 4.77%.
  • Asset quality: problem loans at 0.93% of loans (-3 bps YoY).
  • Capital: net worth / assets of 15.47%, up 104 bps from a year ago.
  • Funding: loans stand at 80.38% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.57%+1 bps YoY

Net Interest Margin (quarter, annualized)

4.77%+20 bps YoY

Efficiency Ratio (quarter, annualized)

60.72%-204 bps YoY

Net Worth / Assets

15.47%+104 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.54%1.47%1.56%1.58%1.51%1.46%1.57%+1 bps
Return on Equity11.61%11.31%10.68%10.79%10.78%10.26%9.81%10.13%-65 bps
Net Interest Margin4.26%4.19%4.39%4.57%4.60%4.64%4.68%4.77%+20 bps
Efficiency Ratio60.49%60.20%63.26%62.77%62.70%62.89%63.21%60.72%-204 bps
Growth
Asset Growth (YoY)-0.11%1.47%6.47%4.58%5.48%3.29%2.87%3.54%-104 bps
Loan Growth (YoY)1.17%1.00%3.77%6.16%10.13%10.00%7.04%4.89%-127 bps
Share Growth (YoY)-1.56%1.20%5.56%3.21%0.52%-1.36%1.28%2.12%-109 bps
Asset Quality
Delinquent Loans / Loans0.92%1.12%1.06%0.96%0.78%0.75%0.91%0.93%-3 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 Capital13.80%13.64%13.81%14.43%14.66%14.71%14.93%15.47%+104 bps
Net Worth / Assets13.80%13.64%13.81%14.43%14.66%14.71%14.93%15.47%+104 bps
Liquidity & Funding
Loans / Shares76.84%76.87%73.99%78.25%84.18%85.73%78.20%80.38%+213 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps