Chicago, IL · Charter 13533
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=101 to 104). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
17
Profitability
43
Liquidity
89
Efficiency
18
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Chicago, IL · Charter 13533
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 1.26% | 1.75% | 1.92% | 1.27% | 0.63% | -0.06% | -0.18% | -209 bps | |
| Return on Equity | 0.92% | 5.96% | 7.60% | 7.77% | 5.24% | 2.64% | -0.25% | -0.72% | -849 bps | |
| Net Interest Margin | 5.33% | 6.35% | 6.79% | 7.40% | 6.77% | 7.08% | 6.80% | 6.61% | -79 bps | |
| Efficiency Ratio | 96.83% | 82.09% | 77.24% | 77.15% | 83.88% | 91.82% | 98.23% | 100.49% | +2,334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.71% | 7.26% | -3.65% | -5.62% | -3.84% | -8.18% | -6.01% | -1.32% | +431 bps | |
| Loan Growth (YoY) | 20.12% | 57.08% | 44.70% | 13.47% | 16.68% | -9.26% | -18.58% | -24.97% | -3,843 bps | |
| Share Growth (YoY) | 0.91% | 3.37% | -3.78% | -7.37% | -3.55% | -8.44% | -4.57% | -1.43% | +593 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.38% | 0.67% | 0.31% | 0.51% | 3.04% | 0.31% | 5.27% | 3.03% | +252 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 | 5.97% | 4.90% | 4.60% | 4.96% | 4.82% | 2.20% | 2.85% | 3.53% | -143 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.03% | 21.06% | 23.00% | 24.65% | 24.18% | 24.00% | 24.81% | 24.69% | +4 bps | |
| Net Worth / Assets | 22.03% | 21.06% | 23.00% | 24.65% | 24.18% | 24.00% | 24.81% | 24.69% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.43% | 68.80% | 75.08% | 71.40% | 74.32% | 68.18% | 64.07% | 54.36% | -1,705 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 13533 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=101-104)
NCUA · 1 branch
Q3 2025
Return on Assets
-0.23%
Rank 87 of 104
Net Interest Margin
6.67%
Rank 2 of 104
Efficiency Ratio
100.00%
Rank 88 of 104
Equity / Assets
24.66%
Rank 12 of 104
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.23% | 0.06% | 0.59% | 1.18% | Beats 16% | 87 / 104 | ||
| Return on Equity | -0.93% | 0.25% | 4.30% | 8.33% | Beats 16% | 87 / 104 | ||
| Net Interest Margin | 6.67% | 2.98% | 3.63% | 4.50% | Beats 98% | 2 / 104 | ||
| Efficiency Ratio | 100.00% | 71.09% | 80.54% | 91.81% | Beats 18% | 88 / 104 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.97% | 0.17% | 0.74% | 2.14% | Beats 17% | 85 / 101 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.69% | 12.24% | 14.66% | 19.59% | Beats 88% | 12 / 104 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.66% | 12.24% | 14.66% | 19.59% | Beats 88% | 12 / 104 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.36% | 36.41% | 51.37% | 68.36% | 56th pctl | 46 / 104 | ||
| Loans / Assets | 40.60% | 26.89% | 43.07% | 58.32% | 45th pctl | 57 / 104 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||