Chicago, IL · Charter 62497
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 | -0.69% | -0.45% | -0.38% | 0.12% | 0.31% | 0.26% | 0.01% | 0.39% | +27 bps | |
| Return on Equity | -5.48% | -3.42% | -2.94% | 0.92% | 2.33% | 1.94% | 0.05% | 2.81% | +189 bps | |
| Net Interest Margin | 3.42% | 3.73% | 3.67% | 3.72% | 3.94% | 3.96% | 4.27% | 4.25% | +53 bps | |
| Efficiency Ratio | 104.10% | 99.33% | 76.73% | 82.75% | 84.42% | 85.61% | 88.10% | 84.33% | +158 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | 5.87% | -0.57% | -4.70% | -4.22% | -1.14% | -2.54% | -2.63% | +207 bps | |
| Loan Growth (YoY) | -1.04% | -1.43% | -4.61% | -3.81% | -4.60% | -6.19% | -4.40% | -1.64% | +217 bps | |
| Share Growth (YoY) | -1.04% | -1.45% | -4.34% | -1.11% | -3.71% | -2.52% | -3.96% | -3.70% | -259 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.73% | 0.35% | 0.28% | 0.40% | 1.03% | 0.70% | 0.54% | +26 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.64% | 13.21% | 13.06% | 13.12% | 13.52% | 13.63% | 13.77% | 13.87% | +75 bps | |
| Net Worth / Assets | 12.64% | 13.21% | 13.06% | 13.12% | 13.52% | 13.63% | 13.77% | 13.87% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.18% | 70.44% | 68.62% | 69.07% | 69.53% | 67.79% | 68.30% | 70.55% | +148 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |