Calumet City, IL · Charter 68425
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.35% | 0.15% | 0.46% | 0.55% | 0.53% | 0.15% | 0.35% | -11 bps | |
| Return on Equity | 1.73% | 2.00% | 0.86% | 2.62% | 3.10% | 2.94% | 0.88% | 2.01% | -61 bps | |
| Net Interest Margin | 3.60% | 3.63% | 3.59% | 3.64% | 3.64% | 3.63% | 3.49% | 3.47% | -17 bps | |
| Efficiency Ratio | 80.82% | 81.21% | 87.48% | 79.42% | 78.04% | 78.67% | 93.04% | 86.01% | +659 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.33% | -1.58% | -0.94% | -1.63% | -1.04% | -0.03% | 2.31% | 4.53% | +616 bps | |
| Loan Growth (YoY) | -1.35% | -2.28% | -2.91% | -5.02% | -6.70% | -7.23% | -7.97% | -7.89% | -286 bps | |
| Share Growth (YoY) | -4.52% | -3.02% | -1.94% | -2.45% | -1.33% | -0.86% | 1.25% | 4.23% | +668 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 1.90% | 1.88% | 1.57% | 1.50% | 1.69% | 1.73% | 1.34% | -23 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 | 17.08% | 17.32% | 17.14% | 17.61% | 17.80% | 17.91% | 17.32% | 17.36% | -25 bps | |
| Net Worth / Assets | 17.08% | 17.32% | 17.14% | 17.61% | 17.80% | 17.91% | 17.32% | 17.36% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.36% | 58.76% | 56.52% | 56.72% | 56.13% | 54.98% | 51.38% | 50.12% | -659 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |