Gurnee, IL · Charter 96071
NCUA · 11 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.95% | 0.91% | 0.81% | 0.95% | -2 bps | |
| Return on Equity | 6.91% | 6.66% | 6.36% | 5.98% | 6.59% | -32 bps | |
| Net Interest Margin | 2.36% | 2.35% | 2.34% | 2.31% | 2.49% | +13 bps | |
| Efficiency Ratio | 64.75% | 65.24% | 66.01% | 67.76% | 65.72% | +97 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.60% | 7.20% | 7.53% | 3.57% | 3.28% | -332 bps | |
| Loan Growth (YoY) | 5.35% | 4.57% | 3.71% | 3.53% | 1.79% | -356 bps | |
| Share Growth (YoY) | 5.77% | 6.83% | 6.61% | 2.52% | 2.27% | -350 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.09% | 0.11% | 0.13% | 0.11% | -1 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.06% | 14.24% | 14.33% | 13.61% | 14.49% | +43 bps | |
| Net Worth / Assets | 14.06% | 14.24% | 14.33% | 13.61% | 14.49% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.92% | 63.18% | 63.38% | 58.32% | 62.62% | -30 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |