PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Healthcare Associates

Lisle, IL · Charter 65421

NCUA · 4 branches

Q2 2026

$481.6MAssets
$343.2MLoans
$403.6MShares
$70.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.45%, down 17 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 1.16% of loans (+86 bps YoY).
  • Capital: net worth / assets of 14.53%, up 26 bps from a year ago.
  • Funding: loans stand at 85.04% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.45%-17 bps YoY

Net Interest Margin (quarter, annualized)

3.44%+5 bps YoY

Efficiency Ratio (quarter, annualized)

78.10%+42 bps YoY

Net Worth / Assets

14.53%+26 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.73%0.42%0.62%0.62%0.54%0.44%0.45%-17 bps
Return on Equity3.79%5.09%2.99%4.37%4.30%3.79%3.08%3.10%-128 bps
Net Interest Margin3.25%3.29%3.34%3.39%3.43%3.42%3.35%3.44%+5 bps
Efficiency Ratio79.85%75.78%83.91%77.68%79.34%80.08%78.38%78.10%+42 bps
Growth
Asset Growth (YoY)3.16%1.08%3.80%4.34%1.34%3.15%2.42%1.29%-305 bps
Loan Growth (YoY)3.03%4.83%5.86%9.17%7.53%3.91%3.93%1.56%-761 bps
Share Growth (YoY)2.28%3.46%3.61%3.91%-0.54%0.55%1.46%0.74%-317 bps
Asset Quality
Delinquent Loans / Loans0.33%0.29%0.24%0.29%0.50%0.56%0.58%1.16%+86 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 Capital13.90%14.28%14.09%14.27%14.49%14.37%14.27%14.53%+26 bps
Net Worth / Assets13.90%14.28%14.09%14.27%14.49%14.37%14.27%14.53%+26 bps
Liquidity & Funding
Loans / Shares80.04%82.01%81.11%84.36%86.53%84.75%83.08%85.04%+68 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps