lake Forest, IL · Charter 68588
NCUA · 22 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 | 0.47% | 0.28% | 0.48% | 0.62% | 0.63% | 0.62% | 0.23% | 0.75% | +13 bps | |
| Return on Equity | 5.15% | 3.09% | 5.47% | 7.05% | 7.25% | 7.15% | 2.70% | 8.57% | +152 bps | |
| Net Interest Margin | 3.07% | 2.82% | 3.11% | 3.22% | 3.28% | 3.23% | 3.23% | 3.29% | +7 bps | |
| Efficiency Ratio | 72.97% | 72.58% | 71.43% | 67.23% | 67.76% | 68.39% | 76.01% | 69.71% | +248 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.36% | 14.35% | 17.05% | 22.18% | 23.94% | 11.67% | 9.16% | 7.94% | -1,424 bps | |
| Loan Growth (YoY) | -1.84% | 10.38% | 13.97% | 19.19% | 22.17% | 10.37% | 9.27% | 8.07% | -1,112 bps | |
| Share Growth (YoY) | 5.00% | 18.26% | 20.90% | 22.25% | 23.53% | 7.89% | 4.65% | 7.08% | -1,516 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.15% | 0.95% | 0.86% | 0.90% | 0.93% | 0.91% | 0.86% | 0 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 | 9.12% | 9.05% | 8.83% | 8.79% | 8.69% | 8.63% | 8.55% | 8.74% | -5 bps | |
| Net Worth / Assets | 9.12% | 9.05% | 8.83% | 8.79% | 8.69% | 8.63% | 8.55% | 8.74% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.16% | 85.84% | 81.75% | 85.58% | 87.19% | 87.81% | 85.36% | 86.37% | +79 bps | |
| Liquid Assets / Assets | 99.29% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |