Chicago, IL · Charter 65932
NCUA · 3 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, 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 (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
7
Profitability
12
Liquidity
82
Efficiency
2
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 65932
NCUA · 3 branches
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | -1.23% | -1.03% | -0.40% | -0.67% | -2.53% | -4.73% | -4.94% | -454 bps | |
| Return on Equity | 15.79% | -13.28% | -11.35% | -4.34% | -7.89% | -34.14% | -106.99% | -137.45% | -13,311 bps | |
| Net Interest Margin | 3.83% | 3.52% | 3.43% | 3.37% | 3.32% | 2.92% | 3.14% | 3.30% | -6 bps | |
| Efficiency Ratio | 67.83% | 110.39% | 110.13% | 94.73% | 97.87% | 123.14% | 121.55% | 124.28% | +2,955 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.76% | -9.89% | -10.79% | 1.21% | 4.27% | 10.10% | 5.02% | 0.52% | -68 bps | |
| Loan Growth (YoY) | 8.53% | 1.64% | 5.73% | 5.92% | 16.46% | 20.43% | 21.14% | 10.98% | +506 bps | |
| Share Growth (YoY) | -8.39% | -7.71% | -6.98% | 4.69% | 6.68% | 12.37% | 10.47% | 7.08% | +239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.97% | 1.69% | 0.87% | 1.25% | 2.55% | 3.09% | 3.18% | +231 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.03% | 9.24% | 9.11% | 9.17% | 8.50% | 7.41% | 4.42% | 3.59% | -558 bps | |
| Net Worth / Assets | 11.03% | 9.24% | 9.11% | 9.17% | 8.50% | 7.41% | 4.42% | 3.59% | -558 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.30% | 61.31% | 63.35% | 64.85% | 69.10% | 65.71% | 69.47% | 67.21% | +236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chicago, IL · Charter 65932 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 3 branches
Q3 2024
Return on Assets
-4.94%
Rank 1,744 of 1,761
Net Interest Margin
3.30%
Rank 1,131 of 1,761
Efficiency Ratio
124.29%
Rank 1,712 of 1,754
Equity / Assets
3.59%
Rank 1,757 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -4.94% | 0.26% | 0.70% | 1.22% | Beats 1% | 1,744 / 1,761 | ||
| Return on Equity | -137.46% | 2.09% | 5.52% | 9.08% | Beats 0% | 1,754 / 1,761 | ||
| Net Interest Margin | 3.30% | 3.03% | 3.59% | 4.25% | Beats 36% | 1,131 / 1,761 | ||
| Efficiency Ratio | 124.29% | 68.95% | 77.94% | 87.14% | Beats 2% | 1,712 / 1,754 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.18% | 0.26% | 0.65% | 1.27% | Beats 7% | 1,630 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 3.59% | 10.05% | 12.42% | 15.87% | Beats 0% | 1,757 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 3.59% | 10.05% | 12.42% | 15.87% | Beats 0% | 1,757 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.21% | 56.21% | 73.13% | 85.64% | 41st pctl | 1,043 / 1,759 | ||
| Loans / Assets | 64.78% | 47.85% | 62.48% | 73.19% | 55th pctl | 788 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||