PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

MWRD Employees

Chicago, IL · Charter 65843

NCUA · 2 branches

Q1 2026

$37.9MAssets
$18.8MLoans
$32.3MShares
$5.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.50%, up 39 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.10% of loans (-80 bps YoY).
  • Capital: net worth / assets of 14.46%, up 121 bps from a year ago.
  • Funding: loans stand at 58.01% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

0.50%+39 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+64 bps YoY

Efficiency Ratio (YTD, annualized)

87.39%-805 bps YoY

Net Worth / Assets

14.46%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.11%0.26%0.31%0.22%0.50%+39 bps
Return on Equity0.85%1.92%2.27%1.57%3.46%+261 bps
Net Interest Margin3.23%3.40%3.57%3.72%3.87%+64 bps
Efficiency Ratio95.44%92.32%90.98%92.81%87.39%-805 bps
Growth
Asset Growth (YoY)5.58%2.34%-2.92%-3.42%-7.09%-1,267 bps
Loan Growth (YoY)-5.61%-6.33%-9.60%-11.20%-11.84%-623 bps
Share Growth (YoY)6.14%2.51%-3.20%-4.38%-8.24%-1,439 bps
Asset Quality
Delinquent Loans / Loans0.91%0.88%0.94%0.26%0.10%-80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.26%13.50%13.84%14.01%14.46%+121 bps
Net Worth / Assets13.26%13.50%13.84%14.01%14.46%+121 bps
Liquidity & Funding
Loans / Shares60.38%59.90%59.19%58.96%58.01%-237 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps