Community Trust
Gurnee, IL · Charter 60543 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=93-96)
NCUA · 5 branches
Q2 2026
$336.4MAssets
$138.6MLoans
$294.2MShares
$39.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 82% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 17 of 95).
- Widest gap: equity / assets trails 75% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 72 of 96).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.03%
Rank 25 of 96
Net Interest Margin
3.23%
Rank 66 of 96
Efficiency Ratio
72.25%
Rank 23 of 96
Equity / Assets
11.79%
Rank 72 of 96
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | -0.02% | 0.42% | 1.03% | Beats 74% | 25 / 96 | | |
| Return on Equity | 8.76% | -0.11% | 2.94% | 6.89% | Beats 82% | 17 / 95 | | |
| Net Interest Margin | 3.23% | 3.01% | 3.57% | 4.27% | Beats 31% | 66 / 96 | | |
| Efficiency Ratio | 72.25% | 73.45% | 82.91% | 96.61% | Beats 77% | 23 / 96 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.08% | 0.86% | 1.63% | Beats 75% | 24 / 93 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.79% | 11.79% | 15.23% | 18.93% | Beats 25% | 72 / 96 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.79% | 11.79% | 15.23% | 18.93% | Beats 25% | 72 / 96 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.11% | 32.14% | 50.03% | 67.81% | 43rd pctl | 55 / 96 | | |
| Loans / Assets | 41.20% | 23.12% | 42.50% | 56.24% | 46th pctl | 52 / 96 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |