COMMUNITY TRUST
Charter #60543 · Gurnee, IL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.11% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.09% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.07% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.75% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 22nd percentile but its structural peers at the 44th — a 22-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 | COMMUNITY TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $339.53M | 80th pct | 66th pct |
| Members | 13,417 | 51th pct | 38th pct |
| Net worth ratio | 11.83% | 55th pct | 59th pct |
| Return on average assets | 1.11% | 75th pct | 84th pct |
| Net interest margin | 3.18% | 22th pct | 44th pct |
| Cost of funds | 1.01% | 39th pct | 48th pct |
| Loan-to-share | 44.98% | 7th pct | 16th pct |
| Delinquency 60+ days | 0.09% | 6th pct | 5th pct |
| Net charge-off ratio | 0.07% | 14th pct | 8th pct |
| Loan growth YoY | 3.43% | 78th pct | 74th pct |
| Share growth YoY | 5.89% | 79th pct | 80th pct |
| Efficiency ratio | 70.75% | 26th pct | 21th pct |
structural peer set hash: ea62a7ea3e70575472c1a3784b2530f5… (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.