Chicago, IL · Charter 65484
NCUA · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.93% | 0.56% | 1.34% | 1.02% | 0.52% | 18.85% | 13.03% | 7.55% | +653 bps | |
| Return on Equity | -28.35% | 2.32% | 4.56% | 3.43% | 1.77% | 51.08% | 34.31% | 21.92% | +1,849 bps | |
| Net Interest Margin | -3.70% | 3.37% | 3.82% | 3.53% | 3.51% | 2.83% | 3.01% | 2.07% | -146 bps | |
| Efficiency Ratio | n/a | 83.45% | 64.93% | 71.16% | 85.30% | 10.30% | 15.71% | 31.22% | -3,995 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -23.45% | -12.65% | -28.32% | -27.50% | -25.65% | -4.20% | 11.85% | 18.48% | +4,598 bps | |
| Loan Growth (YoY) | -62.02% | -62.36% | -34.16% | -30.59% | -29.27% | -31.48% | -44.83% | -39.77% | -918 bps | |
| Share Growth (YoY) | -28.14% | -15.69% | -36.08% | -36.06% | -33.36% | -20.46% | -1.69% | 10.55% | +4,661 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 100.00% | 56.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 264% | 298% | 217% | 263% | 299% | 34.61% | 40.81% | 45.16% | -21,783 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.92% | 24.00% | 29.43% | 29.73% | 29.11% | 36.90% | 37.97% | 34.43% | +471 bps | |
| Net Worth / Assets | 20.92% | 24.00% | 29.43% | 29.73% | 29.11% | 36.90% | 37.97% | 34.43% | +471 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.72% | 4.97% | 7.01% | 5.88% | 5.01% | 4.28% | 3.93% | 3.20% | -268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |