Chicago Hghts, IL · Charter 65640
NCUA · 1 branch
Q3 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.31% | 3.42% | 3.73% | 3.84% | 6.17% | +286 bps | |
| Efficiency Ratio | 97.58% | 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 / Loans | 0.60% | 0.49% | 0.67% | 0.35% | 0.33% | -27 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.87% | 20.91% | 19.87% | 20.28% | 19.59% | -128 bps | |
| Net Worth / Assets | 20.87% | 20.91% | 19.87% | 20.28% | 19.59% | -128 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.53% | 50.70% | 47.06% | 49.55% | 48.78% | -75 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |