New Century
Joliet, IL · Charter 1251 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
$60.2MAssets
$24.1MLoans
$51.7MShares
$8.4MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 65% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 34 of 96).
- Widest gap: equity / assets trails 62% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 60 of 96).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.75%
Rank 34 of 96
Net Interest Margin
3.35%
Rank 58 of 96
Efficiency Ratio
77.98%
Rank 42 of 96
Equity / Assets
13.89%
Rank 60 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | -0.02% | 0.42% | 1.03% | Beats 65% | 34 / 96 | | |
| Return on Equity | 5.38% | -0.11% | 2.94% | 6.89% | Beats 63% | 35 / 95 | | |
| Net Interest Margin | 3.35% | 3.01% | 3.57% | 4.27% | Beats 40% | 58 / 96 | | |
| Efficiency Ratio | 77.98% | 73.45% | 82.91% | 96.61% | Beats 57% | 42 / 96 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.08% | 0.86% | 1.63% | Beats 60% | 38 / 93 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.89% | 11.79% | 15.23% | 18.93% | Beats 38% | 60 / 96 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.89% | 11.79% | 15.23% | 18.93% | Beats 38% | 60 / 96 | | |
| Liquidity & Funding |
| Loans / Deposits | 46.60% | 32.14% | 50.03% | 67.81% | 41st pctl | 57 / 96 | | |
| Loans / Assets | 39.99% | 23.12% | 42.50% | 56.24% | 43rd pctl | 55 / 96 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |