Trinity U.C.C. Chicago, IL · Charter 23245 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
$4.2M Assets
$101K Loans
$3.5M Shares
$689K Net 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 20 of 93). Widest gap: net interest margin trails 90% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 86 of 96). Overall: at or above the peer median on 6 of 7 directional measures. Return on Assets
1.15%
Rank 22 of 96
Net Interest Margin
2.40%
Rank 86 of 96
Efficiency Ratio
52.00%
Rank 8 of 96
Equity / Assets
16.51%
Rank 37 of 96
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 1.15% -0.02% 0.42% 1.03% Beats 77% 22 / 96 Return on Equity 6.97% -0.11% 2.94% 6.89% Beats 76% 23 / 95 Net Interest Margin 2.40% 3.01% 3.57% 4.27% Beats 10% 86 / 96 Efficiency Ratio 52.00% 73.45% 82.91% 96.61% Beats 93% 8 / 96 Asset Quality Nonperforming Loans / Loans 0.00% 0.08% 0.86% 1.63% Beats 100% 20 / 93 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 16.51% 11.79% 15.23% 18.93% Beats 61% 37 / 96 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 16.51% 11.79% 15.23% 18.93% Beats 61% 37 / 96 Liquidity & Funding Loans / Deposits 2.90% 32.14% 50.03% 67.81% 4th pctl 92 / 96 Loans / Assets 2.42% 23.12% 42.50% 56.24% 4th pctl 92 / 96 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (93 to 96 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11