Aurora, IL · Charter 97100
NCUA · 1 branch
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 | 1.40% | 1.54% | 1.53% | 1.06% | 1.38% | -1 bps | |
| Return on Equity | 9.50% | 10.25% | 10.22% | 7.11% | 9.02% | -49 bps | |
| Net Interest Margin | 3.00% | 3.10% | 3.05% | 2.76% | 2.91% | -9 bps | |
| Efficiency Ratio | 56.70% | 53.52% | 53.40% | 61.64% | 55.01% | -169 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.06% | -0.36% | -1.65% | -0.01% | 4.56% | +661 bps | |
| Loan Growth (YoY) | 6.49% | -1.23% | -3.85% | 3.23% | -0.67% | -716 bps | |
| Share Growth (YoY) | -3.59% | -2.09% | -3.38% | -1.38% | 3.78% | +736 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.15% | 0.15% | 0.00% | 0.00% | -15 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 | 14.68% | 15.03% | 15.02% | 14.93% | 15.33% | +65 bps | |
| Net Worth / Assets | 14.68% | 15.03% | 15.02% | 14.93% | 15.33% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.04% | 23.96% | 23.10% | 23.31% | 23.01% | -103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |