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East Chicago Firemen's

East Chicago, IN · Charter 82772

NCUA · 1 branch

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=103 to 106). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

79

Q2 2024Q2 2025peer median (50)

Asset Quality

100

Q2 2024Q2 2025peer median (50)

Profitability

8

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

7

Q2 2024Q2 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

East Chicago Firemen's

East Chicago, IN · Charter 82772

NCUA · 1 branch

Q2 2025

$592KAssets
$16KLoans
$467KShares
$124KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.57%, down 42 bps year over year; NIM at 1.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.96%, up 206 bps from a year ago.
  • Funding: loans stand at 3.40% of shares as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.57%-42 bps YoY

Net Interest Margin (YTD, annualized)

1.56%0 bps YoY

Efficiency Ratio (YTD, annualized)

201%+2,670 bps YoY

Net Worth / Assets

20.96%+206 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-1.16%-1.53%-1.50%-1.69%-1.57%-42 bps
Return on Equity-6.11%-7.64%-7.42%-8.14%-7.49%-138 bps
Net Interest Margin1.57%1.67%1.66%1.60%1.56%0 bps
Efficiency Ratio173.87%191.57%189.77%205%201%+2,670 bps
Growth
Asset Growth (YoY)-12.40%-5.95%-17.64%-23.00%-16.60%-420 bps
Loan Growth (YoY)-34.99%-41.45%-49.24%-44.23%-45.54%-1,055 bps
Share Growth (YoY)-13.93%-5.92%-19.99%-26.31%-18.73%-480 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans15.34%17.93%20.68%24.13%28.16%+1,282 bps
Capital
Risk-Based Capital18.91%19.95%20.18%20.72%20.96%+206 bps
Net Worth / Assets18.91%19.95%20.18%20.72%20.96%+206 bps
Liquidity & Funding
Loans / Shares5.07%4.76%4.25%3.84%3.40%-167 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

East Chicago Firemen's

East Chicago, IN · Charter 82772 · Peer group: credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=103-106)

NCUA · 1 branch

Q2 2025

$592KAssets
$16KLoans
$467KShares
$124KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 20 of 103).
  • Widest gap: net interest margin trails 94% of credit unions under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 100 of 106).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-1.69%

Rank 97 of 106

Net Interest Margin

1.69%

Rank 100 of 106

Efficiency Ratio

180.00%

Rank 98 of 104

Equity / Assets

20.95%

Rank 22 of 106

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.69%0.08%0.58%1.18%Beats 8%97 / 106
Return on Equity-8.06%0.49%3.78%8.23%Beats 10%95 / 106
Net Interest Margin1.69%2.93%3.64%4.27%Beats 6%100 / 106
Efficiency Ratio180.00%69.23%82.72%93.44%Beats 7%98 / 104
Asset Quality
Nonperforming Loans / Loans0.00%0.15%0.69%2.00%Beats 100%20 / 103
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.96%12.03%14.39%19.69%Beats 79%22 / 106
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.95%12.03%14.39%19.69%Beats 79%22 / 106
Liquidity & Funding
Loans / Deposits3.40%33.13%49.82%69.47%6th pctl100 / 106
Loans / Assets2.70%25.17%43.13%58.90%6th pctl100 / 106
Brokered Deposits / Depositsn/aNot reported for this institution