Joliet, IL · Charter 65555
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.08% | -2.75% | 1.16% | 1.40% | 1.03% | 1.67% | 1.59% | +44 bps | |
| Return on Equity | 8.72% | 9.25% | -25.19% | 10.38% | 12.72% | 9.10% | 14.74% | 13.79% | +341 bps | |
| Net Interest Margin | 3.14% | 3.35% | 3.24% | 3.12% | 3.25% | 2.97% | 3.55% | 3.28% | +16 bps | |
| Efficiency Ratio | 69.55% | 68.01% | 65.11% | 63.01% | 57.15% | 65.55% | 53.22% | 51.56% | -1,145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.92% | -3.37% | -6.14% | -3.09% | 5.51% | 6.83% | 10.52% | 10.57% | +1,366 bps | |
| Loan Growth (YoY) | -4.05% | -4.30% | -5.07% | -0.45% | 4.81% | 8.84% | 11.24% | 7.07% | +751 bps | |
| Share Growth (YoY) | -4.12% | -4.91% | -7.09% | -3.72% | 5.53% | 7.28% | 10.07% | 10.04% | +1,376 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 1.47% | 0.02% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | -2 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 | 0.17% | 0.17% | 0.17% | 0.33% | 0.36% | 0.34% | 0.34% | 0.33% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.00% | 11.64% | 10.94% | 11.13% | 10.98% | 11.27% | 11.30% | 11.56% | +43 bps | |
| Net Worth / Assets | 11.00% | 11.64% | 10.94% | 11.13% | 10.98% | 11.27% | 11.30% | 11.56% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.69% | 78.25% | 76.42% | 79.38% | 77.16% | 79.40% | 77.23% | 77.24% | -215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |