Lombard, IL · Charter 68727
NCUA · 20 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 | 0.28% | 0.22% | 0.26% | 0.25% | 0.27% | 0.27% | 2.48% | 1.56% | +131 bps | |
| Return on Equity | 3.12% | 2.26% | 2.66% | 2.64% | 2.77% | 2.75% | 26.07% | 16.31% | +1,367 bps | |
| Net Interest Margin | 2.99% | 3.08% | 3.52% | 3.47% | 3.02% | 3.18% | 5.53% | 3.41% | -6 bps | |
| Efficiency Ratio | 87.30% | 84.99% | 90.75% | 90.23% | 88.61% | 87.86% | 61.17% | 68.82% | -2,141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.02% | 10.27% | 13.49% | 17.20% | 19.39% | 24.64% | 37.80% | 47.41% | +3,021 bps | |
| Loan Growth (YoY) | -5.96% | 12.40% | 9.58% | 20.21% | 51.27% | 28.93% | 51.40% | 44.07% | +2,386 bps | |
| Share Growth (YoY) | 1.37% | 10.89% | 13.17% | 18.23% | 42.96% | 25.56% | 40.50% | 45.44% | +2,722 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.46% | 1.23% | 1.33% | 1.10% | 1.29% | 1.15% | 1.35% | +2 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 | 8.89% | 9.68% | 9.70% | 9.60% | 9.68% | 9.68% | 9.50% | 9.57% | -3 bps | |
| Net Worth / Assets | 8.89% | 9.68% | 9.70% | 9.60% | 9.68% | 9.68% | 9.50% | 9.57% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.61% | 84.10% | 79.51% | 80.90% | 84.23% | 86.36% | 85.68% | 80.14% | -76 bps | |
| Liquid Assets / Assets | 90.23% | 92.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |