Chicago, IL · Charter 65231
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 | 1.89% | 0.42% | -2.60% | -1.82% | -2.35% | -1.35% | 0.30% | 2.86% | +469 bps | |
| Return on Equity | 7.58% | 1.72% | -10.96% | -7.68% | -10.10% | -5.71% | 1.22% | 11.10% | +1,878 bps | |
| Net Interest Margin | 4.27% | 2.89% | 1.80% | 0.88% | 0.81% | 1.07% | 1.86% | 5.21% | +433 bps | |
| Efficiency Ratio | 55.84% | 85.54% | 244% | 306% | 391% | 226% | 91.93% | 46.75% | -25,967 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.32% | -0.72% | -2.00% | -4.30% | -4.74% | -3.09% | -0.12% | 3.50% | +780 bps | |
| Loan Growth (YoY) | -27.60% | -18.28% | -32.41% | -66.26% | -80.34% | -32.48% | -8.72% | -17.85% | +4,841 bps | |
| Share Growth (YoY) | -0.63% | -1.48% | -2.18% | -3.65% | -2.74% | -2.30% | -1.68% | 0.78% | +443 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 41.06% | 17.08% | 0.00% | 22.18% | 36.84% | 3.18% | 0.68% | 0.00% | -2,218 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 | 34.74% | 43.74% | 64.90% | 84.50% | 176.69% | 64.78% | 71.10% | 102.83% | +1,833 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.88% | 24.30% | 23.71% | 23.76% | 23.30% | 23.68% | 24.90% | 25.77% | +201 bps | |
| Net Worth / Assets | 24.88% | 24.30% | 23.71% | 23.76% | 23.30% | 23.68% | 24.90% | 25.77% | +201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.73% | 3.79% | 2.54% | 1.98% | 0.96% | 2.62% | 2.36% | 1.62% | -37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |