Maywood, IL · Charter 23421
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
23
Asset Quality
70
Profitability
7
Liquidity
0
Efficiency
2
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.
Maywood, IL · Charter 23421
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 | -0.46% | -0.05% | -0.05% | -1.63% | -1.21% | -0.50% | -1.53% | -2.56% | -93 bps | |
| Return on Equity | -3.64% | -0.41% | -0.35% | -12.68% | -9.36% | -3.99% | -11.75% | -21.21% | -853 bps | |
| Net Interest Margin | 1.72% | 1.58% | 1.65% | 2.18% | 2.23% | 1.85% | 2.14% | 2.27% | +9 bps | |
| Efficiency Ratio | 116.60% | 95.03% | 95.12% | 211% | 161.15% | 106.91% | 206% | 1054% | +84,344 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.71% | -8.98% | -8.85% | -9.86% | -9.67% | -4.81% | -10.46% | -8.71% | +114 bps | |
| Loan Growth (YoY) | 3.69% | -9.64% | -13.06% | -18.01% | -17.54% | -19.47% | -18.09% | -17.36% | +65 bps | |
| Share Growth (YoY) | -8.20% | -8.83% | -9.72% | -11.41% | -8.29% | -4.68% | -9.99% | -7.74% | +367 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 1.16% | 2.37% | 1.27% | 1.14% | 0.26% | 0.31% | 0.30% | -97 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.75% | 13.20% | 13.50% | 12.89% | 12.95% | 12.58% | 13.01% | 12.09% | -80 bps | |
| Net Worth / Assets | 12.75% | 13.20% | 13.50% | 12.89% | 12.95% | 12.58% | 13.01% | 12.09% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.79% | 14.36% | 14.08% | 13.88% | 13.30% | 12.14% | 12.81% | 12.44% | -145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 2.27% | 2.98% | 3.63% | 4.50% | Beats 11% | 93 / 104 | ||
| Efficiency Ratio | 1064% | 71.09% | 80.54% | 91.81% | Beats 2% | 103 / 104 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.17% | 0.74% | 2.14% | Beats 70% | 31 / 101 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.09% | 12.24% | 14.66% | 19.59% | Beats 23% | 80 / 104 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.09% | 12.24% | 14.66% | 19.59% | Beats 23% | 80 / 104 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 12.44% | 36.41% | 51.37% | 68.36% | 8th pctl | 96 / 104 | ||
| Loans / Assets | 11.30% | 26.89% | 43.07% | 58.32% | 10th pctl | 94 / 104 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||