Naperville, IL · Charter 96066
NCUA · 1 branch
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 | 3.89% | 4.04% | 2.68% | 2.64% | 2.83% | 2.76% | 1.59% | 1.93% | -72 bps | |
| Return on Equity | 5.70% | 5.89% | 3.90% | 3.85% | 4.11% | 4.00% | 2.30% | 2.78% | -107 bps | |
| Net Interest Margin | 4.11% | 4.05% | 3.24% | 2.97% | 2.87% | 2.77% | 2.30% | 2.30% | -67 bps | |
| Efficiency Ratio | 12.19% | 10.47% | 27.72% | 18.63% | 14.08% | 12.44% | 36.89% | 22.73% | +410 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.78% | 2.17% | 3.06% | 3.52% | 4.11% | 3.54% | 3.15% | 2.66% | -85 bps | |
| Loan Growth (YoY) | -41.26% | -30.96% | -22.06% | -14.34% | -7.58% | -6.62% | -7.64% | -4.53% | +981 bps | |
| Share Growth (YoY) | -11.67% | -15.09% | -12.30% | -8.65% | -7.82% | 2.43% | 2.08% | 0.71% | +936 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.58% | 3.26% | 2.21% | 1.52% | 2.51% | 2.20% | 2.20% | 2.32% | +81 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 | 68.26% | 68.57% | 68.62% | 68.59% | 68.81% | 68.99% | 69.02% | 69.22% | +63 bps | |
| Net Worth / Assets | 68.26% | 68.57% | 68.62% | 68.59% | 68.81% | 68.99% | 69.02% | 69.22% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.95% | 27.56% | 26.10% | 24.88% | 25.02% | 25.13% | 23.61% | 23.58% | -129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |