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Calumet Region

Chicago, IL · Charter 60657

NCUA · 1 branch

Q4 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

94

Q2 2024Q4 2024peer median (50)

Asset Quality

7

Q2 2024Q4 2024peer median (50)

Profitability

21

Q2 2024Q4 2024peer median (50)

Liquidity

0

Q2 2024Q4 2024peer median

Efficiency

14

Q2 2024Q4 2024peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Calumet Region

Chicago, IL · Charter 60657

NCUA · 1 branch

Q4 2024

$11.0MAssets
$2.1MLoans
$8.3MShares
$2.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

0.23%+33 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+61 bps YoY

Efficiency Ratio (YTD, annualized)

93.45%-1,001 bps YoY

Net Worth / Assets

24.72%+298 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Return on Assets-0.10%-0.03%0.05%0.04%0.23%+33 bps
Net Interest Margin2.37%2.47%2.67%2.92%2.98%+61 bps
Asset Growth (YoY)-6.91%-4.28%-8.53%-12.17%-11.23%-432 bps
Share Growth (YoY)-8.59%-5.56%-10.86%-15.47%-14.65%-605 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital21.74%21.61%22.77%24.17%24.72%+298 bps
Loans / Shares21.75%22.24%23.85%24.48%25.09%+334 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Calumet Region

Chicago, IL · Charter 60657 · Peer group: credit unions under $1B in assets (n=1,721-1,724)

NCUA · 1 branch

Q4 2024

$11.0MAssets
$2.1MLoans
$8.3MShares
$2.7MNet Worth

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Return on Assets0.24%0.25%0.67%1.13%Beats 24%1,310 / 1,724
Net Interest Margin2.97%3.03%3.61%4.27%Beats 22%1,341 / 1,723
Nonperforming Loans / Loans3.27%0.28%0.70%1.38%Beats 7%1,601 / 1,721
Tier 1 Capital Ratio24.72%10.16%12.41%16.03%Beats 94%109 / 1,724
Equity / Assets24.72%10.15%12.41%16.03%Beats 94%108 / 1,723
Loans / Assets18.85%47.91%62.00%72.82%2nd pctl1,685 / 1,723