PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Membersalliance

Loves Park, IL · Charter 81402

NCUA · 5 branches

Q2 2026

$303.6MAssets
$211.1MLoans
$271.9MShares
$28.5MNet 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 0.82%, up 4 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.45% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.38%, up 5 bps from a year ago.
  • Funding: loans stand at 77.65% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+28 bps YoY

Efficiency Ratio (YTD, annualized)

78.16%-152 bps YoY

Net Worth / Assets

9.38%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.78%0.65%0.61%0.82%+4 bps
Return on Equity8.31%8.10%6.88%6.75%8.71%+40 bps
Net Interest Margin3.63%3.72%3.70%3.72%3.91%+28 bps
Efficiency Ratio79.68%79.50%80.97%80.80%78.16%-152 bps
Growth
Asset Growth (YoY)1.17%3.55%2.95%4.32%5.98%+481 bps
Loan Growth (YoY)4.52%8.62%10.28%12.44%14.80%+1,028 bps
Share Growth (YoY)0.27%2.02%2.39%4.38%6.11%+583 bps
Asset Quality
Delinquent Loans / Loans0.43%0.40%0.56%0.48%0.45%+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 Capital9.32%9.59%9.38%9.02%9.38%+5 bps
Net Worth / Assets9.32%9.59%9.38%9.02%9.38%+5 bps
Liquidity & Funding
Loans / Shares71.76%75.30%76.35%72.77%77.65%+588 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps