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Heights Auto Workers

Chicago Hghts, IL · Charter 65640

NCUA · 1 branch

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=101 to 104). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

75

Q2 2024Q3 2025peer median (50)

Asset Quality

69

Q2 2024Q3 2025peer median (50)

Profitability

39

Q2 2024Q3 2025peer median (50)

Liquidity

94

Q2 2024Q3 2025peer median

Efficiency

10

Q2 2024Q3 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Heights Auto Workers

Chicago Hghts, IL · Charter 65640

NCUA · 1 branch

Q3 2025

$29.0MAssets
$11.4MLoans
$23.4MShares
$5.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.66%, down 154 bps year over year; NIM at 6.17%.
  • Asset quality: problem loans at 0.33% of loans (-27 bps YoY).
  • Capital: net worth / assets of 19.59%, down 128 bps from a year ago.
  • Funding: loans stand at 48.78% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.66%-154 bps YoY

Net Interest Margin (YTD, annualized)

6.17%+286 bps YoY

Efficiency Ratio (YTD, annualized)

119.42%+2,184 bps YoY

Net Worth / Assets

19.59%-128 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets-0.12%-0.15%0.17%0.17%-1.66%-154 bps
Return on Equity-0.56%-0.71%0.87%0.86%-8.46%-790 bps
Net Interest Margin3.31%3.42%3.73%3.84%6.17%+286 bps
Efficiency Ratio97.58%98.02%96.41%96.53%119.42%+2,184 bps
Growth
Asset Growth (YoY)-2.08%-1.14%-0.88%-0.42%-0.27%+182 bps
Loan Growth (YoY)20.83%21.10%13.42%8.25%-0.23%-2,106 bps
Share Growth (YoY)-1.95%-1.10%-1.09%-0.48%1.30%+326 bps
Asset Quality
Delinquent Loans / Loans0.60%0.49%0.67%0.35%0.33%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.87%20.91%19.87%20.28%19.59%-128 bps
Net Worth / Assets20.87%20.91%19.87%20.28%19.59%-128 bps
Liquidity & Funding
Loans / Shares49.53%50.70%47.06%49.55%48.78%-75 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Heights Auto Workers

Chicago Hghts, IL · Charter 65640 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=101-104)

NCUA · 1 branch

Q3 2025

$29.0MAssets
$11.4MLoans
$23.4MShares
$5.7MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 4 of 104).
  • Widest gap: efficiency ratio trails 90% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 95 of 104).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

-1.66%

Rank 94 of 104

Net Interest Margin

6.16%

Rank 4 of 104

Efficiency Ratio

119.50%

Rank 95 of 104

Equity / Assets

19.59%

Rank 26 of 104

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.66%0.06%0.59%1.18%Beats 10%94 / 104
Return on Equity-8.46%0.25%4.30%8.33%Beats 10%94 / 104
Net Interest Margin6.16%2.98%3.63%4.50%Beats 96%4 / 104
Efficiency Ratio119.50%71.09%80.54%91.81%Beats 10%95 / 104
Asset Quality
Nonperforming Loans / Loans0.33%0.17%0.74%2.14%Beats 69%32 / 101
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.59%12.24%14.66%19.59%Beats 75%26 / 104
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.59%12.24%14.66%19.59%Beats 75%26 / 104
Liquidity & Funding
Loans / Deposits48.78%36.41%51.37%68.36%45th pctl57 / 104
Loans / Assets39.25%26.89%43.07%58.32%42nd pctl60 / 104
Brokered Deposits / Depositsn/aNot reported for this institution