PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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