WESTERN SPRINGS
Charter #13481 · WESTERN SPRINGS, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.80% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 53.75% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 74th — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WESTERN SPRINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.90M | 49th pct | 26th pct |
| Members | 474 | 41th pct | 28th pct |
| Net worth ratio | 17.81% | 51th pct | 52th pct |
| Return on average assets | 1.80% | 88th pct | 93th pct |
| Net interest margin | 3.85% | 44th pct | 74th pct |
| Cost of funds | 0.59% | 53th pct | 39th pct |
| Loan-to-share | 45.25% | 36th pct | 39th pct |
| Delinquency 60+ days | 0.46% | 41th pct | 66th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -7.96% | 36th pct | 36th pct |
| Share growth YoY | 0.99% | 57th pct | 67th pct |
| Efficiency ratio | 53.75% | 11th pct | 8th pct |
structural peer set hash: 1a11b047c2bb39e0cca0f182d3af1538… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.