CHICAGO AREA OFFICE
Charter #5045 · Chicago, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,254 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 20.75% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.98% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 4.39% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.06% ranks in the 10th 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 | CHICAGO AREA OFFICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.51M | 97th pct | 21th pct |
| Members | 1,254 | 90th pct | 25th pct |
| Net worth ratio | 20.75% | 61th pct | 89th pct |
| Return on average assets | -1.98% | 10th pct | 2th pct |
| Net interest margin | 4.39% | 60th pct | 77th pct |
| Cost of funds | 0.06% | 16th pct | 10th pct |
| Loan-to-share | 35.39% | 25th pct | 30th pct |
| Delinquency 60+ days | 5.42% | 87th pct | 98th pct |
| Net charge-off ratio | -0.18% | 11th pct | 3th pct |
| Loan growth YoY | -7.65% | 37th pct | 31th pct |
| Share growth YoY | 2.36% | 68th pct | 51th pct |
| Efficiency ratio | 141.99% | 92th pct | 98th pct |
structural peer set hash: 267186004b37872d88a0c2f949f1786f… (reproducible)
Closest structural peers
This is the free public view
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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.