77th Street Depot Chicago, IL · Charter 2505 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 2 branches
Q2 2026
$17.7M Assets
$5.3M Loans
$13.0M Shares
$4.6M Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 90% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 10 of 96). Widest gap: return on assets trails 91% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 87 of 96). Overall: at or above the peer median on 3 of 7 directional measures. Return on Assets
-1.86%
Rank 87 of 96
Net Interest Margin
4.53%
Rank 19 of 96
Efficiency Ratio
110.04%
Rank 79 of 96
Equity / Assets
25.85%
Rank 10 of 96
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets -1.86% -0.02% 0.42% 1.03% Beats 9% 87 / 96 Return on Equity -7.20% -0.11% 2.94% 6.89% Beats 11% 85 / 95 Net Interest Margin 4.53% 3.01% 3.57% 4.27% Beats 80% 19 / 96 Efficiency Ratio 110.04% 73.45% 82.91% 96.61% Beats 19% 79 / 96 Asset Quality Nonperforming Loans / Loans 2.92% 0.08% 0.86% 1.63% Beats 19% 76 / 93 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 25.85% 11.79% 15.23% 18.93% Beats 90% 10 / 96 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 25.85% 11.79% 15.23% 18.93% Beats 90% 10 / 96 Liquidity & Funding Loans / Deposits 40.43% 32.14% 50.03% 67.81% 32nd pctl 65 / 96 Loans / Assets 29.76% 23.12% 42.50% 56.24% 32nd pctl 65 / 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 2026-10-10