Chicago, IL · Charter 7346
NCUA · 15 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 | 0.29% | 0.24% | 0.56% | 0.56% | 0.60% | 0.58% | 0.66% | 0.68% | +12 bps | |
| Return on Equity | 2.22% | 1.87% | 4.38% | 4.39% | 4.84% | 4.60% | 5.23% | 5.52% | +114 bps | |
| Net Interest Margin | 2.02% | 2.02% | 2.40% | 2.45% | 2.43% | 2.46% | 2.78% | 2.71% | +26 bps | |
| Efficiency Ratio | 87.20% | 87.34% | 79.16% | 79.09% | 75.58% | 76.01% | 75.86% | 73.74% | -534 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.31% | -5.28% | -6.24% | 5.57% | 10.39% | 7.16% | 6.51% | 9.19% | +362 bps | |
| Loan Growth (YoY) | 15.65% | 15.78% | 16.99% | 11.84% | 12.50% | 11.12% | 10.21% | 11.62% | -22 bps | |
| Share Growth (YoY) | 12.09% | 16.27% | 17.32% | 10.36% | 12.39% | 8.36% | 8.73% | 10.39% | +3 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.49% | 1.81% | 1.90% | 1.99% | 1.76% | 1.11% | 0.92% | -98 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 | 13.22% | 12.81% | 12.81% | 12.71% | 12.44% | 12.53% | 12.63% | 12.27% | -44 bps | |
| Net Worth / Assets | 13.22% | 12.81% | 12.81% | 12.71% | 12.44% | 12.53% | 12.63% | 12.27% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.52% | 71.57% | 72.28% | 72.68% | 72.59% | 73.40% | 73.27% | 73.49% | +81 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |