P G L & CC Employees
Chicago, IL · Charter 81200 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
$24.7MAssets
$11.3MLoans
$19.8MShares
$4.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 87% of credit unions under $1B in assets (rank 230 of 1753).
- Widest gap: efficiency ratio trails 99% of credit unions under $1B in assets (rank 1730 of 1748).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-1.79%
Rank 1,689 of 1,753
Net Interest Margin
1.87%
Rank 1,695 of 1,752
Efficiency Ratio
190.12%
Rank 1,730 of 1,748
Equity / Assets
19.41%
Rank 229 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.79% | 0.23% | 0.68% | 1.19% | Beats 4% | 1,689 / 1,753 | |
| Return on Equity | -9.23% | 1.80% | 5.29% | 9.05% | Beats 5% | 1,668 / 1,750 | |
| Net Interest Margin | 1.87% | 2.98% | 3.54% | 4.20% | Beats 3% | 1,695 / 1,752 | |
| Efficiency Ratio | 190.12% | 69.58% | 78.86% | 88.33% | Beats 1% | 1,730 / 1,748 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.22% | 0.59% | 1.20% | Beats 63% | 650 / 1,748 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.41% | 9.91% | 12.21% | 15.57% | Beats 87% | 230 / 1,753 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.41% | 9.91% | 12.21% | 15.57% | Beats 87% | 229 / 1,752 | |
| Liquidity & Funding |
| Loans / Deposits | 57.15% | 55.88% | 73.01% | 86.61% | 26th pctl | 1,292 / 1,750 | |
| Loans / Assets | 45.95% | 48.21% | 62.51% | 73.23% | 22nd pctl | 1,364 / 1,752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |