MWRD Employees Chicago, IL · Charter 65843 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=94-97)
NCUA · 2 branches
Q1 2026
$37.9M Assets
$18.8M Loans
$32.3M Shares
$5.5M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 23 of 94). Widest gap: efficiency ratio trails 54% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 53 of 96). Overall: at or above the peer median on 4 of 7 directional measures. Return on Assets
0.50%
Rank 42 of 97
Net Interest Margin
3.87%
Rank 35 of 97
Efficiency Ratio
87.43%
Rank 53 of 96
Equity / Assets
14.46%
Rank 51 of 97
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.50% -0.26% 0.33% 1.05% Beats 57% 42 / 97 Return on Equity 3.43% -1.79% 2.87% 6.61% Beats 54% 45 / 97 Net Interest Margin 3.87% 2.96% 3.50% 4.26% Beats 64% 35 / 97 Efficiency Ratio 87.43% 73.36% 85.61% 98.06% Beats 46% 53 / 96 Asset Quality Nonperforming Loans / Loans 0.10% 0.25% 0.79% 1.73% Beats 77% 23 / 94 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 14.46% 11.53% 14.93% 18.56% Beats 47% 51 / 97 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 14.46% 11.51% 14.93% 18.52% Beats 47% 51 / 97 Liquidity & Funding Loans / Deposits 58.01% 34.77% 50.40% 66.58% 66th pctl 33 / 97 Loans / Assets 49.42% 25.05% 42.65% 55.21% 64th pctl 35 / 97 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 (94 to 97 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 2,754 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 2026-10-11