Chicago Hghts, IL · Charter 65640
NCUA · 1 branch
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | -1.24% | -0.37% | -0.12% | -0.15% | 0.17% | 0.17% | -1.66% | -154 bps | |
| Return on Equity | 0.74% | -6.28% | -1.84% | -0.56% | -0.71% | 0.87% | 0.86% | -8.46% | -790 bps | |
| Net Interest Margin | 3.06% | 1.96% | 3.04% | 3.31% | 3.42% | 3.73% | 3.84% | 6.17% | +286 bps | |
| Efficiency Ratio | 93.02% | 128.36% | 102.75% | 97.58% | 98.02% | 96.41% | 96.53% | 119.42% | +2,184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.34% | -3.35% | -1.60% | -2.08% | -1.14% | -0.88% | -0.42% | -0.27% | +182 bps | |
| Loan Growth (YoY) | 7.75% | 12.94% | 19.05% | 20.83% | 21.10% | 13.42% | 8.25% | -0.23% | -2,106 bps | |
| Share Growth (YoY) | -6.67% | -3.84% | -1.49% | -1.95% | -1.10% | -1.09% | -0.48% | 1.30% | +326 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.21% | 0.83% | 0.60% | 0.49% | 0.67% | 0.35% | 0.33% | -27 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.85% | 19.69% | 20.10% | 20.87% | 20.91% | 19.87% | 20.28% | 19.59% | -128 bps | |
| Net Worth / Assets | 20.85% | 19.69% | 20.10% | 20.87% | 20.91% | 19.87% | 20.28% | 19.59% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.41% | 41.04% | 45.55% | 49.53% | 50.70% | 47.06% | 49.55% | 48.78% | -75 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |