PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Archer Heights

Chicago, IL · Charter 63125

NCUA · 1 branch

Q2 2025

$20.0MAssets
$8.2MLoans
$18.1MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of -4.47%, down 454 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.02% of loans (-105 bps YoY).
  • Capital: net worth / assets of 8.07%, down 228 bps from a year ago.
  • Funding: loans stand at 45.25% of shares as of Q2 2025.

Return on Assets (YTD, annualized)

-4.47%-454 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+18 bps YoY

Efficiency Ratio (YTD, annualized)

217%+11,835 bps YoY

Net Worth / Assets

8.07%-228 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-0.04%0.04%-0.01%0.07%-0.10%-0.10%-0.14%-4.47%-454 bps
Return on Equity-0.40%0.40%-0.11%0.65%-0.93%-0.99%-1.38%-55.40%-5,605 bps
Net Interest Margin2.87%2.85%3.03%3.06%3.03%3.06%3.18%3.24%+18 bps
Efficiency Ratio100.22%99.62%100.78%99.08%101.18%101.26%102.99%217%+11,835 bps
Growth
Asset Growth (YoY)-5.61%-0.01%-2.66%-7.52%-6.05%-7.50%-4.44%-0.85%+667 bps
Loan Growth (YoY)-0.57%-6.60%-7.17%-20.52%-16.04%-15.65%-13.31%-9.99%+1,053 bps
Share Growth (YoY)-5.91%-0.07%-3.06%-5.73%-6.76%-8.21%-4.81%0.36%+609 bps
Asset Quality
Delinquent Loans / Loans0.11%0.13%0.08%1.07%0.02%0.09%0.03%0.02%-105 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 Capital9.60%9.58%9.80%10.35%10.22%10.26%10.12%8.07%-228 bps
Net Worth / Assets9.60%9.58%9.80%10.35%10.22%10.26%10.12%8.07%-228 bps
Liquidity & Funding
Loans / Shares55.82%53.68%52.05%50.45%50.26%49.32%47.40%45.25%-520 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps