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
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets (rank 109 of 1724).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets (rank 1601 of 1721).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |