Evanston, IL · Charter 62338
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.28% | -1.31% | 0.08% | 0.81% | 0.26% | -1.13% | -0.38% | -46 bps | |
| Return on Equity | 6.49% | 1.86% | -8.23% | 0.51% | 5.14% | 1.67% | -6.96% | -2.41% | -292 bps | |
| Net Interest Margin | 3.04% | 1.82% | 3.19% | 2.72% | 2.75% | 1.75% | 3.33% | 2.74% | +2 bps | |
| Efficiency Ratio | 68.44% | 86.07% | 137.48% | 97.31% | 72.70% | 86.97% | 130.53% | 113.89% | +1,659 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.57% | -11.18% | -15.36% | -12.86% | -2.41% | -1.23% | -1.70% | -0.25% | +1,261 bps | |
| Loan Growth (YoY) | -5.14% | -5.94% | -2.59% | -16.34% | -6.46% | -9.48% | -11.58% | -12.56% | +378 bps | |
| Share Growth (YoY) | -11.40% | -13.35% | -18.04% | -15.28% | -2.84% | -1.69% | -2.21% | -0.23% | +1,505 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 10.32% | 9.99% | 10.40% | 11.37% | 11.03% | 11.03% | 11.76% | 13.00% | +163 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.60% | 15.10% | 15.89% | 15.80% | 15.83% | 15.29% | 16.24% | 15.77% | -3 bps | |
| Net Worth / Assets | 15.60% | 15.10% | 15.89% | 15.80% | 15.83% | 15.29% | 16.24% | 15.77% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.29% | 17.98% | 18.72% | 16.85% | 16.65% | 16.56% | 16.92% | 14.77% | -208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |