Vernon Hills, IL · Charter 68187
NCUA · 47 branches
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 | 0.37% | 0.38% | 0.35% | 0.55% | 0.69% | 0.70% | 0.63% | 0.72% | +17 bps | |
| Return on Equity | 3.65% | 3.91% | 3.70% | 5.57% | 6.86% | 7.07% | 6.42% | 7.08% | +151 bps | |
| Net Interest Margin | 3.16% | 3.11% | 3.19% | 3.32% | 3.35% | 3.33% | 3.39% | 3.50% | +18 bps | |
| Efficiency Ratio | 74.63% | 74.54% | 72.40% | 70.63% | 69.78% | 68.76% | 67.78% | 68.69% | -194 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | 2.09% | 2.89% | 4.61% | 5.55% | 5.31% | 4.20% | 3.62% | -99 bps | |
| Loan Growth (YoY) | -0.04% | 1.38% | 0.31% | 1.78% | 3.42% | 3.51% | 5.34% | 5.68% | +389 bps | |
| Share Growth (YoY) | 0.98% | 2.79% | 3.62% | 4.79% | 5.56% | 8.13% | 5.36% | 4.19% | -60 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.06% | 0.83% | 0.88% | 0.95% | 0.93% | 0.84% | 0.86% | -2 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.04% | 9.82% | 9.56% | 9.84% | 9.99% | 9.89% | 9.79% | 10.15% | +31 bps | |
| Net Worth / Assets | 10.04% | 9.82% | 9.56% | 9.84% | 9.99% | 9.89% | 9.79% | 10.15% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.56% | 107.24% | 99.04% | 102.75% | 104.40% | 102.67% | 99.02% | 104.21% | +147 bps | |
| Liquid Assets / Assets | 0.00% | 96.87% | 96.26% | 98.44% | 98.61% | 97.36% | 96.94% | 98.94% | +50 bps | |