Chicago, IL · Charter 63125
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 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=103 to 106). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
81
Profitability
14
Liquidity
88
Efficiency
4
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 63125
NCUA · 1 branch
Q2 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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.04% | -0.01% | 0.07% | -0.10% | -0.10% | -0.14% | -4.47% | -454 bps | |
| Return on Equity | -0.40% | 0.40% | -0.11% | 0.65% | -0.93% | -0.99% | -1.38% | -55.40% | -5,605 bps | |
| Net Interest Margin | 2.87% | 2.85% | 3.03% | 3.06% | 3.03% | 3.06% | 3.18% | 3.24% | +18 bps | |
| Efficiency Ratio | 100.22% | 99.62% | 100.78% | 99.08% | 101.18% | 101.26% | 102.99% | 217% | +11,835 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.61% | -0.01% | -2.66% | -7.52% | -6.05% | -7.50% | -4.44% | -0.85% | +667 bps | |
| Loan Growth (YoY) | -0.57% | -6.60% | -7.17% | -20.52% | -16.04% | -15.65% | -13.31% | -9.99% | +1,053 bps | |
| Share Growth (YoY) | -5.91% | -0.07% | -3.06% | -5.73% | -6.76% | -8.21% | -4.81% | 0.36% | +609 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.13% | 0.08% | 1.07% | 0.02% | 0.09% | 0.03% | 0.02% | -105 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 | 9.60% | 9.58% | 9.80% | 10.35% | 10.22% | 10.26% | 10.12% | 8.07% | -228 bps | |
| Net Worth / Assets | 9.60% | 9.58% | 9.80% | 10.35% | 10.22% | 10.26% | 10.12% | 8.07% | -228 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.82% | 53.68% | 52.05% | 50.45% | 50.26% | 49.32% | 47.40% | 45.25% | -520 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 63125 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=103-106)
NCUA · 1 branch
Q2 2025
Return on Assets
-4.47%
Rank 104 of 106
Net Interest Margin
3.24%
Rank 64 of 106
Efficiency Ratio
217%
Rank 101 of 104
Equity / Assets
8.07%
Rank 102 of 106
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -4.47% | 0.08% | 0.58% | 1.18% | Beats 2% | 104 / 106 | ||
| Return on Equity | -55.41% | 0.49% | 3.78% | 8.23% | Beats 1% | 105 / 106 | ||
| Net Interest Margin | 3.24% | 2.93% | 3.64% | 4.27% | Beats 40% | 64 / 106 | ||
| Efficiency Ratio | 217% | 69.23% | 82.72% | 93.44% | Beats 4% | 101 / 104 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.15% | 0.69% | 2.00% | Beats 81% | 21 / 103 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.07% | 12.03% | 14.39% | 19.69% | Beats 4% | 102 / 106 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.07% | 12.03% | 14.39% | 19.69% | Beats 4% | 102 / 106 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.25% | 33.13% | 49.82% | 69.47% | 39th pctl | 65 / 106 | ||
| Loans / Assets | 40.88% | 25.17% | 43.13% | 58.90% | 47th pctl | 56 / 106 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||