Western Springs
Western Springs, IL · Charter 13481 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
$3.9MAssets
$1.5MLoans
$3.2MShares
$714KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 7 of 96).
- Widest gap: net interest margin trails 37% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 36 of 96).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.88%
Rank 10 of 96
Net Interest Margin
3.92%
Rank 36 of 96
Efficiency Ratio
51.28%
Rank 7 of 96
Equity / Assets
18.18%
Rank 31 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.88% | -0.02% | 0.42% | 1.03% | Beats 90% | 10 / 96 | |
| Return on Equity | 10.36% | -0.11% | 2.94% | 6.89% | Beats 87% | 12 / 95 | |
| Net Interest Margin | 3.92% | 3.01% | 3.57% | 4.27% | Beats 63% | 36 / 96 | |
| Efficiency Ratio | 51.28% | 73.45% | 82.91% | 96.61% | Beats 94% | 7 / 96 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.08% | 0.86% | 1.63% | Beats 68% | 31 / 93 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.18% | 11.79% | 15.23% | 18.93% | Beats 68% | 31 / 96 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.18% | 11.79% | 15.23% | 18.93% | Beats 68% | 31 / 96 | |
| Liquidity & Funding |
| Loans / Deposits | 47.71% | 32.14% | 50.03% | 67.81% | 44th pctl | 54 / 96 | |
| Loans / Assets | 39.04% | 23.12% | 42.50% | 56.24% | 39th pctl | 59 / 96 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |