Chicago Area Office

Chicago, IL · 1 · Charter #5045 · www.chicagoareafcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.2M
39th percentile
Members
1,261
45th percentile
Total loans
$2.8M
30th percentile
Total shares
$7.1M
38th percentile

Profitability

Return on assets
-0.22%
12th percentile
Net interest margin
4.57%
71th percentile
Efficiency ratio
103.15%
5th percentile
Non-interest income ratio
10.66%
55th percentile

Capital & Risk

Net worth ratio
22.03%
80th percentile
Delinquency rate
3.90%
11th percentile
Net charge-off rate
1.54%
9th percentile
Loan-to-share
39.27%
21th percentile

Growth

Member growth YoY
-5.68%
14th percentile
Asset growth YoY
-3.01%
25th percentile
Loan growth YoY
-9.73%
25th percentile
Share growth YoY
-2.43%
32th percentile

Operations

Members / branch
631
29th percentile
Assets / member
$7,277
33th percentile
Field of membership penetration
33.33%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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