Chicago, IL · Charter 61793
NCUA · 2 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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 in the Chicago-Naperville-Elgin, IL-IN area (n=96 to 99). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
59
Profitability
73
Liquidity
44
Efficiency
63
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 61793
NCUA · 2 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.55% | 0.63% | 0.70% | 0.79% | 1.03% | 1.13% | 1.16% | +46 bps | |
| Return on Equity | 4.45% | 4.83% | 5.44% | 5.89% | 6.78% | 8.51% | 9.07% | 9.03% | +314 bps | |
| Net Interest Margin | 3.09% | 3.10% | 3.24% | 3.32% | 3.57% | 3.71% | 3.82% | 3.95% | +63 bps | |
| Efficiency Ratio | 88.05% | 86.26% | 84.00% | 83.53% | 81.90% | 78.47% | 76.18% | 75.85% | -768 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.73% | -1.59% | -2.43% | 0.30% | 2.19% | 2.20% | 3.15% | 2.37% | +207 bps | |
| Loan Growth (YoY) | -0.80% | -3.79% | -8.97% | -10.31% | -8.20% | -6.12% | -2.99% | -1.08% | +924 bps | |
| Share Growth (YoY) | -3.47% | -2.35% | -3.28% | -0.58% | 1.58% | 1.17% | 1.95% | 1.37% | +195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.74% | 0.70% | 0.74% | 0.53% | 0.67% | 0.74% | 0.54% | -19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.16% | 11.35% | 11.63% | 11.84% | 11.67% | 12.15% | 12.46% | 12.85% | +101 bps | |
| Net Worth / Assets | 11.16% | 11.35% | 11.63% | 11.84% | 11.67% | 12.15% | 12.46% | 12.85% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.73% | 33.27% | 32.75% | 31.96% | 30.48% | 30.87% | 31.16% | 31.19% | -77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 61793 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=96-99)
NCUA · 2 branches
Q4 2025
Return on Assets
1.16%
Rank 24 of 99
Net Interest Margin
3.95%
Rank 35 of 99
Efficiency Ratio
75.84%
Rank 38 of 99
Equity / Assets
12.85%
Rank 70 of 99
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.16% | 0.14% | 0.60% | 1.15% | Beats 76% | 24 / 99 | ||
| Return on Equity | 9.02% | 0.82% | 3.96% | 8.08% | Beats 78% | 22 / 99 | ||
| Net Interest Margin | 3.95% | 2.88% | 3.63% | 4.33% | Beats 65% | 35 / 99 | ||
| Efficiency Ratio | 75.84% | 72.97% | 81.02% | 89.23% | Beats 63% | 38 / 99 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.16% | 0.76% | 1.69% | Beats 59% | 40 / 96 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.85% | 12.15% | 14.69% | 18.74% | Beats 29% | 70 / 99 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.85% | 12.16% | 14.69% | 18.74% | Beats 29% | 70 / 99 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.19% | 33.97% | 51.39% | 69.01% | 20th pctl | 79 / 99 | ||
| Loans / Assets | 27.06% | 26.88% | 44.26% | 58.22% | 25th pctl | 74 / 99 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||