Chicago, IL · Charter 65484
NCUA · 1 branch
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
94
Asset Quality
100
Profitability
68
Liquidity
0
Efficiency
98
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 65484
NCUA · 1 branch
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.02% | 0.52% | 18.85% | 13.03% | 7.55% | +653 bps | |
| Return on Equity | 3.43% | 1.77% | 51.08% | 34.31% | 21.92% | +1,849 bps | |
| Net Interest Margin | 3.53% | 3.51% | 2.83% | 3.01% | 2.07% | -146 bps | |
| Efficiency Ratio | 71.16% | 85.30% | 10.30% | 15.71% | 31.22% | -3,995 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -27.50% | -25.65% | -4.20% | 11.85% | 18.48% | +4,598 bps | |
| Loan Growth (YoY) | -30.59% | -29.27% | -31.48% | -44.83% | -39.77% | -918 bps | |
| Share Growth (YoY) | -36.06% | -33.36% | -20.46% | -1.69% | 10.55% | +4,661 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 263% | 299% | 34.61% | 40.81% | 45.16% | -21,783 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.73% | 29.11% | 36.90% | 37.97% | 34.43% | +471 bps | |
| Net Worth / Assets | 29.73% | 29.11% | 36.90% | 37.97% | 34.43% | +471 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 5.88% | 5.01% | 4.28% | 3.93% | 3.20% | -268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 65484 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=96-99)
NCUA · 1 branch
Q4 2025
Return on Assets
7.41%
Rank 1 of 99
Net Interest Margin
2.02%
Rank 93 of 99
Efficiency Ratio
31.25%
Rank 3 of 99
Equity / Assets
34.34%
Rank 6 of 99
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 7.41% | 0.14% | 0.60% | 1.15% | Beats 99% | 1 / 99 | |
| Return on Equity | 21.57% | 0.82% | 3.96% | 8.08% | Beats 98% | 2 / 99 | |
| Net Interest Margin | 2.02% | 2.88% | 3.63% | 4.33% | Beats 6% | 93 / 99 | |
| Efficiency Ratio | 31.25% | 72.97% | 81.02% | 89.23% | Beats 98% | 3 / 99 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.16% | 0.76% | 1.69% | Beats 100% | 18 / 96 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 34.43% | 12.15% | 14.69% | 18.74% | Beats 94% | 6 / 99 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 34.34% | 12.16% | 14.69% | 18.74% | Beats 94% | 6 / 99 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 3.20% | 33.97% | 51.39% | 69.01% | 5th pctl | 94 / 99 | |
| Loans / Assets | 2.02% | 26.88% | 44.26% | 58.22% | 5th pctl | 94 / 99 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||