Federal Center Employees
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
$101.7MAssets
$27.5MLoans
$88.2MShares
$13.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 78% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 22 of 99).
- Widest gap: equity / assets trails 71% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 70 of 99).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 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 |