PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chicago Post Office Employees

Chicago, IL · Charter 95826

NCUA · 3 branches

Q2 2026

$27.9MAssets
$11.7MLoans
$21.4MShares
$6.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.23%, up 19 bps year over year; NIM at 5.43%.
  • Asset quality: problem loans at 2.65% of loans (-87 bps YoY).
  • Capital: net worth / assets of 22.39%, down 14 bps from a year ago.
  • Funding: loans stand at 54.60% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.23%+19 bps YoY

Net Interest Margin (YTD, annualized)

5.43%-54 bps YoY

Efficiency Ratio (YTD, annualized)

88.17%+536 bps YoY

Net Worth / Assets

22.39%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.68%0.24%0.03%0.13%0.18%0.10%0.23%+19 bps
Return on Equity3.24%2.99%1.10%0.15%0.61%0.81%0.44%1.01%+86 bps
Net Interest Margin5.86%6.04%5.84%5.97%5.93%5.95%5.52%5.43%-54 bps
Efficiency Ratio84.06%83.50%92.25%82.81%84.17%85.25%88.08%88.17%+536 bps
Growth
Asset Growth (YoY)-0.62%-0.33%-0.50%-4.73%-0.57%0.16%-4.56%-1.64%+309 bps
Loan Growth (YoY)-9.84%-6.19%-6.47%-5.36%-5.89%-11.48%-12.19%-14.20%-884 bps
Share Growth (YoY)1.82%1.27%1.19%-4.27%-1.84%-1.25%-6.70%-2.97%+129 bps
Asset Quality
Delinquent Loans / Loans3.12%3.26%3.67%3.52%3.12%2.95%2.45%2.65%-87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.36%22.74%22.04%22.53%21.78%22.09%22.44%22.39%-14 bps
Net Worth / Assets21.36%22.74%22.04%22.53%21.78%22.09%22.44%22.39%-14 bps
Liquidity & Funding
Loans / Shares62.98%65.76%60.64%61.75%60.38%58.94%57.07%54.60%-715 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps