PackageTrendsPeer
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Credit Union 1

Lombard, IL · Charter 68727

NCUA · 20 branches

Q2 2026

$2.9BAssets
$1.9BLoans
$2.4BShares
$274.7MNet 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 1.56%, up 131 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 1.35% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.57%, down 3 bps from a year ago.
  • Funding: loans stand at 80.14% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.56%+131 bps YoY

Net Interest Margin (quarter, annualized)

3.41%-6 bps YoY

Efficiency Ratio (quarter, annualized)

68.82%-2,141 bps YoY

Net Worth / Assets

9.57%-3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.27%0.27%2.48%1.56%+131 bps
Return on Equity2.64%2.77%2.75%26.07%16.31%+1,367 bps
Net Interest Margin3.47%3.02%3.18%5.53%3.41%-6 bps
Efficiency Ratio90.23%88.61%87.86%61.17%68.82%-2,141 bps
Growth
Asset Growth (YoY)17.20%19.39%24.64%37.80%47.41%+3,021 bps
Loan Growth (YoY)20.21%51.27%28.93%51.40%44.07%+2,386 bps
Share Growth (YoY)18.23%42.96%25.56%40.50%45.44%+2,722 bps
Asset Quality
Delinquent Loans / Loans1.33%1.10%1.29%1.15%1.35%+2 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 Capital9.60%9.68%9.68%9.50%9.57%-3 bps
Net Worth / Assets9.60%9.68%9.68%9.50%9.57%-3 bps
Liquidity & Funding
Loans / Shares80.90%84.23%86.36%85.68%80.14%-76 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps