Gary Police Department Employees Gary, IN · Charter 3251 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 1 branch
Q2 2026
$1.2M Assets
$218K Loans
$712K Shares
$502K 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: return on assets trails 97% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 93 of 96). Overall: at or above the peer median on 3 of 7 directional measures. Return on Assets
-4.45%
Rank 93 of 96
Net Interest Margin
2.64%
Rank 79 of 96
Efficiency Ratio
259%
Rank 93 of 96
Equity / Assets
41.35%
Rank 4 of 96
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets -4.45% -0.02% 0.42% 1.03% Beats 3% 93 / 96 Return on Equity -10.76% -0.11% 2.94% 6.89% Beats 7% 88 / 95 Net Interest Margin 2.64% 3.01% 3.57% 4.27% Beats 18% 79 / 96 Efficiency Ratio 259% 73.45% 82.91% 96.61% Beats 4% 93 / 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 41.35% 11.79% 15.23% 18.93% Beats 96% 4 / 96 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 41.35% 11.79% 15.23% 18.93% Beats 96% 4 / 96 Liquidity & Funding Loans / Deposits 30.62% 32.14% 50.03% 67.81% 23rd pctl 74 / 96 Loans / Assets 17.96% 23.12% 42.50% 56.24% 14th pctl 83 / 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