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Letter portraitLegal landscapeQuarterYTD

Oak Lawn Municipal Employees

Oak Lawn, IL · Charter 62717

NCUA · 1 branch

Q2 2026

$4.8MAssets
$2.4MLoans
$4.1MShares
$656KNet Worth

Executive Summary

  • Earnings: ROA of 0.85%, down 75 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (-10 bps YoY).
  • Capital: net worth / assets of 13.69%, down 62 bps from a year ago.
  • Funding: loans stand at 57.99% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.85%-75 bps YoY

Net Interest Margin (quarter, annualized)

3.49%-81 bps YoY

Efficiency Ratio (quarter, annualized)

76.38%+1,291 bps YoY

Net Worth / Assets

13.69%-62 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.83%0.63%1.60%0.99%0.80%1.95%0.85%-75 bps
Return on Equity4.21%6.34%4.58%11.16%6.94%5.62%14.19%6.20%-496 bps
Net Interest Margin3.40%3.64%4.06%4.30%4.08%3.67%3.60%3.49%-81 bps
Efficiency Ratio82.42%76.57%70.76%63.48%70.37%73.83%45.88%76.38%+1,291 bps
Growth
Asset Growth (YoY)-5.12%-2.99%-3.33%-0.58%1.79%2.88%7.33%7.65%+823 bps
Loan Growth (YoY)3.66%-1.86%-4.49%-10.05%-10.42%-9.69%-10.55%-11.75%-170 bps
Share Growth (YoY)-6.43%-4.35%-4.98%-2.13%0.65%2.41%7.81%8.47%+1,060 bps
Asset Quality
Delinquent Loans / Loans0.00%0.13%0.00%0.10%0.62%0.23%0.00%0.00%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.18%0.23%0.23%0.23%0.32%0.34%0.18%0.18%-5 bps
Capital
Risk-Based Capital13.20%13.05%13.83%14.32%14.23%14.28%13.75%13.69%-62 bps
Net Worth / Assets13.20%13.05%13.83%14.32%14.23%14.28%13.75%13.69%-62 bps
Liquidity & Funding
Loans / Shares75.92%73.24%72.69%71.28%67.57%64.59%60.31%57.99%-1,329 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps