PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dupage

Naperville, IL · Charter 97084

NCUA · 5 branches

Q2 2026

$600.2MAssets
$464.0MLoans
$515.4MShares
$57.7MNet 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 0.38%, down 56 bps year over year; NIM at 4.65%.
  • Asset quality: problem loans at 0.48% of loans (-14 bps YoY).
  • Capital: net worth / assets of 9.62%, up 8 bps from a year ago.
  • Funding: loans stand at 90.03% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.38%-56 bps YoY

Net Interest Margin (quarter, annualized)

4.65%-4 bps YoY

Efficiency Ratio (quarter, annualized)

85.14%+552 bps YoY

Net Worth / Assets

9.62%+8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%1.10%0.98%0.25%0.38%-56 bps
Return on Equity9.90%11.19%10.10%2.57%4.00%-590 bps
Net Interest Margin4.69%4.83%4.72%4.49%4.65%-4 bps
Efficiency Ratio79.62%78.98%80.72%89.58%85.14%+552 bps
Growth
Asset Growth (YoY)-0.98%-0.44%2.79%4.09%5.37%+635 bps
Loan Growth (YoY)1.27%2.30%2.41%8.11%3.97%+270 bps
Share Growth (YoY)3.41%4.21%4.65%3.42%5.26%+184 bps
Asset Quality
Delinquent Loans / Loans0.62%0.62%0.65%0.40%0.48%-14 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 Capital9.54%9.81%9.74%9.56%9.62%+8 bps
Net Worth / Assets9.54%9.81%9.74%9.56%9.62%+8 bps
Liquidity & Funding
Loans / Shares91.15%91.81%88.13%88.05%90.03%-112 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps