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Loyola University Employees

Maywood, IL · Charter 23421

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

23

Q2 2024Q3 2025peer median (50)

Asset Quality

70

Q2 2024Q3 2025peer median (50)

Profitability

7

Q2 2024Q3 2025peer median (50)

Liquidity

0

Q2 2024Q3 2025peer median

Efficiency

2

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

Loyola University Employees

Maywood, IL · Charter 23421

NCUA · 1 branch

Q3 2025

$38.3MAssets
$4.3MLoans
$34.8MShares
$4.6MNet 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 -2.56%, down 93 bps year over year; NIM at 2.27%.
  • Asset quality: problem loans at 0.30% of loans (-97 bps YoY).
  • Capital: net worth / assets of 12.09%, down 80 bps from a year ago.
  • Funding: loans stand at 12.44% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

-2.56%-93 bps YoY

Net Interest Margin (YTD, annualized)

2.27%+9 bps YoY

Efficiency Ratio (YTD, annualized)

1054%+84,344 bps YoY

Net Worth / Assets

12.09%-80 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets-1.63%-1.21%-0.50%-1.53%-2.56%-93 bps
Return on Equity-12.68%-9.36%-3.99%-11.75%-21.21%-853 bps
Net Interest Margin2.18%2.23%1.85%2.14%2.27%+9 bps
Efficiency Ratio211%161.15%106.91%206%1054%+84,344 bps
Growth
Asset Growth (YoY)-9.86%-9.67%-4.81%-10.46%-8.71%+114 bps
Loan Growth (YoY)-18.01%-17.54%-19.47%-18.09%-17.36%+65 bps
Share Growth (YoY)-11.41%-8.29%-4.68%-9.99%-7.74%+367 bps
Asset Quality
Delinquent Loans / Loans1.27%1.14%0.26%0.31%0.30%-97 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.89%12.95%12.58%13.01%12.09%-80 bps
Net Worth / Assets12.89%12.95%12.58%13.01%12.09%-80 bps
Liquidity & Funding
Loans / Shares13.88%13.30%12.14%12.81%12.44%-145 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

Loyola University Employees

Maywood, IL · Charter 23421 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=101-104)

NCUA · 1 branch

Q3 2025

$38.3MAssets
$4.3MLoans
$34.8MShares
$4.6MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 70% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 31 of 101).
  • Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 103 of 104).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

-2.56%

Rank 99 of 104

Net Interest Margin

2.27%

Rank 93 of 104

Efficiency Ratio

1064%

Rank 103 of 104

Equity / Assets

12.09%

Rank 80 of 104

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-2.56%0.06%0.59%1.18%Beats 5%99 / 104
Return on Equity-21.21%0.25%4.30%8.33%Beats 4%100 / 104
Net Interest Margin2.27%2.98%3.63%4.50%Beats 11%93 / 104
Efficiency Ratio1064%71.09%80.54%91.81%Beats 2%103 / 104
Asset Quality
Nonperforming Loans / Loans0.30%0.17%0.74%2.14%Beats 70%31 / 101
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.09%12.24%14.66%19.59%Beats 23%80 / 104
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.09%12.24%14.66%19.59%Beats 23%80 / 104
Liquidity & Funding
Loans / Deposits12.44%36.41%51.37%68.36%8th pctl96 / 104
Loans / Assets11.30%26.89%43.07%58.32%10th pctl94 / 104
Brokered Deposits / Depositsn/aNot reported for this institution