UNIFIED HOMEOWNERS OF ILLINOIS
Charter #24767 · CHICAGO, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.51% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -4.13% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 6.59% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 | UNIFIED HOMEOWNERS OF ILLINOIS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 455,712 | 9th pct | 38th pct |
| Members | 303 | 26th pct | 49th pct |
| Net worth ratio | 7.51% | 5th pct | 10th pct |
| Return on average assets | -4.13% | 6th pct | 8th pct |
| Net interest margin | 6.59% | 94th pct | 89th pct |
| Cost of funds | 0.45% | 47th pct | 72th pct |
| Loan-to-share | 54.93% | 46th pct | 74th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 11th pct |
| Loan growth YoY | 11.80% | 93th pct | 89th pct |
| Share growth YoY | -18.25% | 2th pct | 8th pct |
| Efficiency ratio | 116.66% | 86th pct | 82th pct |
structural peer set hash: 47e9fa8d256abfc32e20313137309cd0… (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.