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
$29.0M Assets
$11.4M Loans
$23.4M Shares
$5.7M Net 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
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer 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 Margin 6.16% 2.98% 3.63% 4.50% Beats 96% 4 / 104 Efficiency Ratio 119.50% 71.09% 80.54% 91.81% Beats 10% 95 / 104 Asset Quality Nonperforming Loans / Loans 0.33% 0.17% 0.74% 2.14% Beats 69% 32 / 101 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 19.59% 12.24% 14.66% 19.59% Beats 75% 26 / 104 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 19.59% 12.24% 14.66% 19.59% Beats 75% 26 / 104 Liquidity & Funding Loans / Deposits 48.78% 36.41% 51.37% 68.36% 45th pctl 57 / 104 Loans / Assets 39.25% 26.89% 43.07% 58.32% 42nd pctl 60 / 104 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (101 to 104 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.41%, the median effective tax rate of the 2,782 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-10