Aurora, IL · Charter 97059
NCUA · 7 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 | 1.21% | 1.24% | 1.27% | 1.25% | 1.30% | +10 bps | |
| Return on Equity | 6.33% | 6.39% | 6.56% | 6.61% | 6.74% | +40 bps | |
| Net Interest Margin | 4.04% | 4.09% | 4.04% | 4.07% | 4.14% | +10 bps | |
| Efficiency Ratio | 72.73% | 72.02% | 71.91% | 70.89% | 70.93% | -180 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.70% | 7.04% | 7.60% | 5.62% | 5.65% | -805 bps | |
| Loan Growth (YoY) | 6.97% | 3.09% | 3.64% | 3.93% | 2.70% | -427 bps | |
| Share Growth (YoY) | 12.23% | 6.61% | 6.27% | 5.03% | 5.32% | -692 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.83% | 0.86% | 0.63% | 0.75% | +12 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 | 19.06% | 19.35% | 19.31% | 18.95% | 19.34% | +28 bps | |
| Net Worth / Assets | 19.06% | 19.35% | 19.31% | 18.95% | 19.34% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.85% | 70.78% | 69.92% | 67.25% | 68.12% | -174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |