CHICAGO'S BRAVEST
Charter #61560 · Chicago, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.95% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.11% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.94% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.40% sits at the 77th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 49th — a 28-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 | CHICAGO'S BRAVEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.55M | 3th pct | 13th pct |
| Members | 1,269 | 15th pct | 39th pct |
| Net worth ratio | 20.95% | 88th pct | 77th pct |
| Return on average assets | 0.90% | 63th pct | 62th pct |
| Net interest margin | 5.11% | 93th pct | 87th pct |
| Cost of funds | 1.94% | 89th pct | 75th pct |
| Loan-to-share | 74.93% | 77th pct | 49th pct |
| Delinquency 60+ days | 0.67% | 54th pct | 44th pct |
| Net charge-off ratio | 0.40% | 67th pct | 77th pct |
| Loan growth YoY | -7.24% | 17th pct | 11th pct |
| Share growth YoY | -1.74% | 14th pct | 15th pct |
| Efficiency ratio | 78.29% | 45th pct | 51th pct |
structural peer set hash: 14f45cedd4b8fbaaac2d2c1d934687a2… (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.