DUPAGE
Charter #97084 · Naperville, IL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.25% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.54% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.40% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.58% sits at the 95th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 39th — a 30-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 | DUPAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $595.90M | 23th pct | 36th pct |
| Members | 48,466 | 70th pct | 39th pct |
| Net worth ratio | 9.55% | 31th pct | 31th pct |
| Return on average assets | 0.25% | 19th pct | 20th pct |
| Net interest margin | 4.54% | 95th pct | 87th pct |
| Cost of funds | 1.60% | 60th pct | 59th pct |
| Loan-to-share | 88.05% | 71th pct | 51th pct |
| Delinquency 60+ days | 0.40% | 30th pct | 18th pct |
| Net charge-off ratio | 0.47% | 54th pct | 26th pct |
| Loan growth YoY | 1.41% | 55th pct | 39th pct |
| Share growth YoY | 5.74% | 78th pct | 77th pct |
| Efficiency ratio | 89.58% | 90th pct | 95th pct |
structural peer set hash: 1e6f0186450d17b6610fc1b18e4e8b21… (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.