PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northwest Community

Morton Grove, IL · Charter 97108

NCUA · 2 branches

Q2 2026

$66.6MAssets
$51.8MLoans
$61.0MShares
$6.3MNet 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 -0.01%, down 21 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 1.27% of loans (+54 bps YoY).
  • Capital: net worth / assets of 9.44%, down 46 bps from a year ago.
  • Funding: loans stand at 84.87% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.01%-21 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+7 bps YoY

Efficiency Ratio (YTD, annualized)

96.54%+550 bps YoY

Net Worth / Assets

9.44%-46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.12%0.05%0.01%-0.01%-21 bps
Return on Equity1.93%1.24%0.56%0.11%-0.15%-209 bps
Net Interest Margin2.51%2.59%2.59%2.58%2.57%+7 bps
Efficiency Ratio91.05%91.67%93.62%98.11%96.54%+550 bps
Growth
Asset Growth (YoY)-2.39%-0.63%-0.91%1.00%2.66%+506 bps
Loan Growth (YoY)4.61%7.92%5.97%10.57%12.78%+816 bps
Share Growth (YoY)-3.07%-0.53%-0.91%1.34%3.32%+639 bps
Asset Quality
Delinquent Loans / Loans0.73%0.63%0.92%0.95%1.27%+54 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 Capital9.90%9.91%9.79%9.62%9.44%-46 bps
Net Worth / Assets9.90%9.91%9.79%9.62%9.44%-46 bps
Liquidity & Funding
Loans / Shares77.75%81.42%80.55%82.91%84.87%+712 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps