Naperville, IL · Charter 97084
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 0.97% | 0.85% | 0.94% | 1.10% | 0.98% | 0.25% | 0.38% | -56 bps | |
| Return on Equity | 12.73% | 10.62% | 9.21% | 9.90% | 11.19% | 10.10% | 2.57% | 4.00% | -590 bps | |
| Net Interest Margin | 4.57% | 4.60% | 4.52% | 4.69% | 4.83% | 4.72% | 4.49% | 4.65% | -4 bps | |
| Efficiency Ratio | 79.87% | 80.97% | 80.81% | 79.62% | 78.98% | 80.72% | 89.58% | 85.14% | +552 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.64% | -2.25% | -4.84% | -0.98% | -0.44% | 2.79% | 4.09% | 5.37% | +635 bps | |
| Loan Growth (YoY) | -7.77% | -8.26% | -7.38% | 1.27% | 2.30% | 2.41% | 8.11% | 3.97% | +270 bps | |
| Share Growth (YoY) | -0.65% | 3.09% | 2.55% | 3.41% | 4.21% | 4.65% | 3.42% | 5.26% | +184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.98% | 0.60% | 0.62% | 0.62% | 0.65% | 0.40% | 0.48% | -14 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 | 8.97% | 9.13% | 9.23% | 9.54% | 9.81% | 9.74% | 9.56% | 9.62% | +8 bps | |
| Net Worth / Assets | 8.97% | 9.13% | 9.23% | 9.54% | 9.81% | 9.74% | 9.56% | 9.62% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.52% | 90.06% | 84.23% | 91.15% | 91.81% | 88.13% | 88.05% | 90.03% | -112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |