Chicago, IL · Charter 60657
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, 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 (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
7
Profitability
21
Liquidity
0
Efficiency
14
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.
Chicago, IL · Charter 60657
NCUA · 1 branch
Q4 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | -0.03% | 0.05% | 0.04% | 0.23% | +33 bps | |
| Return on Equity | -0.44% | -0.16% | 0.24% | 0.17% | 0.94% | +137 bps | |
| Net Interest Margin | 2.37% | 2.47% | 2.67% | 2.92% | 2.98% | +61 bps | |
| Efficiency Ratio | 103.46% | 101.25% | 98.17% | 98.72% | 93.45% | -1,001 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.91% | -4.28% | -8.53% | -12.17% | -11.23% | -432 bps | |
| Loan Growth (YoY) | 4.16% | 3.57% | 1.63% | -4.18% | -1.53% | -569 bps | |
| Share Growth (YoY) | -8.59% | -5.56% | -10.86% | -15.47% | -14.65% | -605 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 0.90% | 2.99% | 3.43% | 3.28% | +198 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.74% | 21.61% | 22.77% | 24.17% | 24.72% | +298 bps | |
| Net Worth / Assets | 21.74% | 21.61% | 22.77% | 24.17% | 24.72% | +298 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.75% | 22.24% | 23.85% | 24.48% | 25.09% | +334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 60657 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
0.24%
Rank 1,310 of 1,724
Net Interest Margin
2.97%
Rank 1,341 of 1,723
Efficiency Ratio
93.57%
Rank 1,488 of 1,721
Equity / Assets
24.72%
Rank 108 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.25% | 0.67% | 1.13% | Beats 24% | 1,310 / 1,724 | |
| Return on Equity | 0.95% | 1.95% | 5.34% | 8.54% | Beats 18% | 1,413 / 1,723 | |
| Net Interest Margin | 2.97% | 3.03% | 3.61% | 4.27% | Beats 22% | 1,341 / 1,723 | |
| Efficiency Ratio | 93.57% | 69.84% | 78.36% | 87.50% | Beats 14% | 1,488 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.27% | 0.28% | 0.70% | 1.38% | Beats 7% | 1,601 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 24.72% | 10.16% | 12.41% | 16.03% | Beats 94% | 109 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 24.72% | 10.15% | 12.41% | 16.03% | Beats 94% | 108 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 25.09% | 55.95% | 72.66% | 85.34% | 3rd pctl | 1,678 / 1,722 | |
| Loans / Assets | 18.85% | 47.91% | 62.00% | 72.82% | 2nd pctl | 1,685 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||