Chicago, IL · Charter 66089
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.16% | 3.25% | 9.56% | 3.87% | 3.10% | 2.80% | -3.59% | -1.53% | -540 bps | |
| Return on Equity | 24.70% | 20.14% | 55.94% | 23.06% | 16.06% | 14.57% | -19.33% | -8.25% | -3,131 bps | |
| Net Interest Margin | 1.29% | 1.52% | 1.50% | 1.46% | 1.64% | 1.62% | 1.46% | 1.46% | 0 bps | |
| Efficiency Ratio | 88.95% | 90.47% | 65.41% | 80.58% | 85.91% | 86.70% | 197.92% | 158.73% | +7,815 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.47% | -9.33% | 2.01% | 12.49% | 1.29% | -1.72% | -11.59% | -9.95% | -2,245 bps | |
| Loan Growth (YoY) | -10.65% | 39.70% | 4.47% | -30.66% | 16.44% | 3.79% | -15.77% | 27.74% | +5,840 bps | |
| Share Growth (YoY) | 6.40% | 9.01% | 16.59% | 18.48% | 2.68% | 4.13% | -2.79% | -4.62% | -2,310 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.88% | 8.09% | 2.92% | 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 | 6.34% | 4.75% | 5.13% | 8.20% | 5.45% | 4.58% | 6.09% | 6.42% | -178 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.84% | 16.16% | 17.08% | 16.80% | 19.28% | 19.24% | 18.56% | 18.55% | +176 bps | |
| Net Worth / Assets | 16.84% | 16.16% | 17.08% | 16.80% | 19.28% | 19.24% | 18.56% | 18.55% | +176 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.83% | 6.16% | 5.31% | 3.24% | 5.48% | 6.14% | 4.60% | 4.33% | +110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |