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Alero Financial

Elgin, IL · Charter 68215

NCUA · 13 branches

Q2 2026

$953.5MAssets
$733.6MLoans
$822.6MShares
$113.9MNet 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 0.35%, up 70 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.79% of loans (+9 bps YoY).
  • Capital: net worth / assets of 11.95%, down 119 bps from a year ago.
  • Funding: loans stand at 89.18% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.35%+70 bps YoY

Net Interest Margin (quarter, annualized)

3.55%+13 bps YoY

Efficiency Ratio (quarter, annualized)

89.23%-1,087 bps YoY

Net Worth / Assets

11.95%-119 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.35%-0.07%0.04%0.46%0.35%+70 bps
Return on Equity-2.67%-0.56%0.27%3.94%2.94%+561 bps
Net Interest Margin3.42%3.47%3.51%3.24%3.55%+13 bps
Efficiency Ratio100.10%91.80%87.54%84.22%89.23%-1,087 bps
Growth
Asset Growth (YoY)-0.28%2.31%0.56%15.84%14.04%+1,432 bps
Loan Growth (YoY)2.24%6.10%2.80%22.13%18.99%+1,675 bps
Share Growth (YoY)-1.55%2.23%3.85%19.44%20.13%+2,168 bps
Asset Quality
Delinquent Loans / Loans0.70%0.64%0.84%0.94%0.79%+9 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 Capital13.14%13.20%13.46%11.70%11.95%-119 bps
Net Worth / Assets13.14%13.20%13.46%11.70%11.95%-119 bps
Liquidity & Funding
Loans / Shares90.03%91.72%89.62%90.05%89.18%-85 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps