PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Consumers

lake Forest, IL · Charter 68588

NCUA · 22 branches

Q2 2026

$4.6BAssets
$3.2BLoans
$3.7BShares
$405.7MNet 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 0.75%, up 13 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.86% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.74%, down 5 bps from a year ago.
  • Funding: loans stand at 86.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+7 bps YoY

Efficiency Ratio (YTD, annualized)

69.71%+248 bps YoY

Net Worth / Assets

8.74%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.63%0.62%0.23%0.75%+13 bps
Return on Equity7.05%7.25%7.15%2.70%8.57%+152 bps
Net Interest Margin3.22%3.28%3.23%3.23%3.29%+7 bps
Efficiency Ratio67.23%67.76%68.39%76.01%69.71%+248 bps
Growth
Asset Growth (YoY)22.18%23.94%11.67%9.16%7.94%-1,424 bps
Loan Growth (YoY)19.19%22.17%10.37%9.27%8.07%-1,112 bps
Share Growth (YoY)22.25%23.53%7.89%4.65%7.08%-1,516 bps
Asset Quality
Delinquent Loans / Loans0.86%0.90%0.93%0.91%0.86%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 Capital8.79%8.69%8.63%8.55%8.74%-5 bps
Net Worth / Assets8.79%8.69%8.63%8.55%8.74%-5 bps
Liquidity & Funding
Loans / Shares85.58%87.19%87.81%85.36%86.37%+79 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps