PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alliant

Chicago, IL · Charter 67955

NCUA · 1 branch

Q2 2026

$20.0BAssets
$15.9BLoans
$16.1BShares
$1.8BNet 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 0.95%, up 34 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 0.81% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.17%, up 30 bps from a year ago.
  • Funding: loans stand at 98.72% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.95%+34 bps YoY

Net Interest Margin (quarter, annualized)

2.39%+22 bps YoY

Efficiency Ratio (quarter, annualized)

43.61%-635 bps YoY

Net Worth / Assets

9.17%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.60%0.55%0.59%0.95%+34 bps
Return on Equity6.90%6.79%6.12%6.30%10.34%+344 bps
Net Interest Margin2.17%2.22%2.27%2.41%2.39%+22 bps
Efficiency Ratio49.96%48.59%49.69%49.19%43.61%-635 bps
Growth
Asset Growth (YoY)-1.56%-0.09%3.73%0.00%0.27%+183 bps
Loan Growth (YoY)11.81%11.21%4.11%1.60%0.96%-1,085 bps
Share Growth (YoY)0.79%-0.45%1.11%1.21%1.23%+44 bps
Asset Quality
Delinquent Loans / Loans0.81%1.12%0.84%0.94%0.81%0 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 Capital8.87%8.86%8.98%9.41%9.17%+30 bps
Net Worth / Assets8.87%8.86%8.98%9.41%9.17%+30 bps
Liquidity & Funding
Loans / Shares98.98%101.65%97.68%96.25%98.72%-26 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps