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District 123

Oak Lawn, IL · Charter 17023

NCUA · 1 branch

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

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.

Peer group

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.

Peer standing

Capital

93

Q2 2024Q3 2025peer median (50)

Asset Quality

100

Q2 2024Q3 2025peer median (50)

Profitability

9

Q2 2024Q3 2025peer median (50)

Liquidity

45

Q2 2024Q3 2025peer median

Efficiency

5

Q2 2024Q3 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

District 123

Oak Lawn, IL · Charter 17023

NCUA · 1 branch

Q3 2025

$2.0MAssets
$422KLoans
$1.3MShares
$689KNet 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 -1.33%, down 148 bps year over year; NIM at 1.25%.
  • Asset quality: problem loans at 0.00% of loans (-12 bps YoY).
  • Capital: net worth / assets of 33.87%, up 191 bps from a year ago.
  • Funding: loans stand at 31.44% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.33%-148 bps YoY

Net Interest Margin (YTD, annualized)

1.25%-120 bps YoY

Efficiency Ratio (YTD, annualized)

215%+12,130 bps YoY

Net Worth / Assets

33.87%+191 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.14%0.14%0.12%0.06%-1.33%-148 bps
Return on Equity0.45%0.43%0.36%0.20%-3.94%-439 bps
Net Interest Margin2.45%2.57%2.45%2.42%1.25%-120 bps
Efficiency Ratio94.17%94.54%95.83%97.70%215%+12,130 bps
Growth
Asset Growth (YoY)-10.21%-10.22%-6.76%-8.98%-8.26%+195 bps
Loan Growth (YoY)-16.43%-18.42%-28.88%-28.25%-29.22%-1,280 bps
Share Growth (YoY)-14.39%-14.73%-10.05%-12.94%-10.82%+357 bps
Asset Quality
Delinquent Loans / Loans0.12%0.07%0.00%0.00%0.00%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.02%0.02%0.00%0.00%0.00%-2 bps
Capital
Risk-Based Capital31.96%33.44%33.28%32.83%33.87%+191 bps
Net Worth / Assets31.96%33.44%33.28%32.83%33.87%+191 bps
Liquidity & Funding
Loans / Shares39.62%43.02%37.44%33.25%31.44%-818 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

District 123

Oak Lawn, IL · Charter 17023 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=101-104)

NCUA · 1 branch

Q3 2025

$2.0MAssets
$422KLoans
$1.3MShares
$689KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 18 of 101).
  • Widest gap: net interest margin trails 98% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 102 of 104).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-1.31%

Rank 92 of 104

Net Interest Margin

1.25%

Rank 102 of 104

Efficiency Ratio

211%

Rank 101 of 104

Equity / Assets

33.89%

Rank 7 of 104

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.31%0.06%0.59%1.18%Beats 12%92 / 104
Return on Equity-3.87%0.25%4.30%8.33%Beats 13%91 / 104
Net Interest Margin1.25%2.98%3.63%4.50%Beats 2%102 / 104
Efficiency Ratio211%71.09%80.54%91.81%Beats 5%101 / 104
Asset Quality
Nonperforming Loans / Loans0.00%0.17%0.74%2.14%Beats 100%18 / 101
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio33.87%12.24%14.66%19.59%Beats 93%7 / 104
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets33.89%12.24%14.66%19.59%Beats 93%7 / 104
Liquidity & Funding
Loans / Deposits31.44%36.41%51.37%68.36%21st pctl82 / 104
Loans / Assets20.76%26.89%43.07%58.32%21st pctl82 / 104
Brokered Deposits / Depositsn/aNot reported for this institution