PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Helena Parish

Chicago, IL · Charter 66296

NCUA · 2 branches

Q2 2026

$324KAssets
$147KLoans
$287KShares
$31KNet 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 -0.87%, down 1,482 bps year over year; NIM at 6.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.50%, down 829 bps from a year ago.
  • Funding: loans stand at 51.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.87%-1,482 bps YoY

Net Interest Margin (YTD, annualized)

6.55%-17 bps YoY

Efficiency Ratio (YTD, annualized)

110.76%+6,162 bps YoY

Net Worth / Assets

9.50%-829 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets13.95%7.91%0.00%1.35%-0.87%-1,482 bps
Return on Equity78.40%47.81%0.00%13.04%-9.20%-8,760 bps
Net Interest Margin6.72%6.39%5.80%6.67%6.55%-17 bps
Efficiency Ratio49.14%60.57%100.00%79.77%110.76%+6,162 bps
Growth
Asset Growth (YoY)4.07%6.35%12.03%9.22%9.72%+565 bps
Loan Growth (YoY)-11.49%-6.23%-0.46%10.19%15.39%+2,687 bps
Share Growth (YoY)4.58%6.73%9.64%16.42%18.00%+1,342 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.14%2.83%2.73%2.94%2.90%-24 bps
Capital
Risk-Based Capital17.79%16.54%10.68%10.35%9.50%-829 bps
Net Worth / Assets17.79%16.54%10.68%10.35%9.50%-829 bps
Liquidity & Funding
Loans / Shares52.59%56.36%56.53%51.97%51.43%-116 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps