Cicero, IL · Charter 68180
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 | 0.98% | 0.78% | 0.84% | 0.95% | 0.90% | 1.27% | -0.48% | -0.05% | -100 bps | |
| Return on Equity | 5.10% | 4.18% | 4.31% | 4.82% | 4.57% | 6.10% | -2.74% | -0.27% | -509 bps | |
| Net Interest Margin | 4.12% | 3.60% | 3.57% | 3.01% | 2.77% | 3.74% | 2.84% | 3.28% | +27 bps | |
| Efficiency Ratio | 67.58% | 68.70% | 75.71% | 71.20% | 71.21% | 66.02% | 105.40% | 97.65% | +2,645 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.64% | 0.00% | -1.02% | -1.20% | -0.37% | -4.32% | -3.41% | -1.72% | -52 bps | |
| Loan Growth (YoY) | -8.69% | 0.00% | 0.25% | 1.74% | 4.56% | -6.36% | -4.89% | -9.97% | -1,171 bps | |
| Share Growth (YoY) | 0.76% | 0.00% | -2.24% | -2.10% | -0.78% | -6.74% | -4.12% | -1.29% | +81 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.88% | 1.89% | 3.12% | 4.02% | 4.98% | 6.25% | 5.13% | 2.69% | -133 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 | 1.33% | 1.18% | 1.67% | 1.71% | 1.78% | 2.51% | 4.79% | 1.96% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.20% | 18.64% | 19.58% | 19.69% | 19.72% | 20.86% | 17.55% | 19.25% | -44 bps | |
| Net Worth / Assets | 19.20% | 18.64% | 19.58% | 19.69% | 19.72% | 20.86% | 17.55% | 19.25% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.04% | 49.56% | 47.39% | 48.41% | 47.47% | 49.76% | 47.02% | 44.16% | -425 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |