Romeoville, IL · Charter 97086
NCUA · 9 branches
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 | 0.41% | 0.34% | 0.09% | 0.35% | 0.37% | 0.14% | 0.13% | 0.28% | -7 bps | |
| Return on Equity | 3.44% | 2.90% | 0.77% | 2.92% | 3.02% | 1.15% | 1.11% | 2.40% | -52 bps | |
| Net Interest Margin | 3.43% | 3.41% | 3.50% | 3.75% | 3.80% | 3.73% | 3.66% | 3.81% | +6 bps | |
| Efficiency Ratio | 86.58% | 86.09% | 84.19% | 82.72% | 82.48% | 82.74% | 85.61% | 83.14% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.54% | -1.74% | -0.38% | -4.51% | -0.14% | 0.91% | -0.05% | 2.56% | +707 bps | |
| Loan Growth (YoY) | 1.09% | 0.22% | -1.23% | 0.13% | -0.92% | -2.35% | -4.23% | -7.15% | -728 bps | |
| Share Growth (YoY) | -3.75% | -3.18% | -1.83% | -4.94% | -0.31% | 0.87% | 0.05% | 1.27% | +621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.50% | 0.35% | 0.59% | 0.96% | 0.87% | 0.92% | 0.88% | +29 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 | 11.99% | 11.82% | 11.38% | 12.03% | 12.24% | 11.78% | 11.46% | 11.76% | -27 bps | |
| Net Worth / Assets | 11.99% | 11.82% | 11.38% | 12.03% | 12.24% | 11.78% | 11.46% | 11.76% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.34% | 75.25% | 71.35% | 74.70% | 75.87% | 72.85% | 68.31% | 68.49% | -621 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |