Mt. Zion Credit Union

Credit UnionFISCUZion, IL·Est. 1987·NCUA #67024Compare ⇄▤ Account brief

Total assets

$435K

▲ +15.7% YoY

Shares & deposits

$362K

▲ +20.2% YoY

Loans

$83K

▲ +57.6% YoY

Members

163

▼ -22.7% YoY

ROA (annualized)

0.30%

peers 0.60%

ROE (annualized)

1.81%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	Mt. Zion Credit Union	Peer median	Δ
Asset growth (YoY)	+15.7%	+1.3%	+14.4 pts
Share growth (YoY)	+20.2%	+0.7%	+19.5 pts
Loan growth (YoY)	+57.6%	-2.4%	+59.9 pts
ROA	0.30%	0.60%	-0.3 pts
ROE	1.8%	4.1%	-2.3 pts

ROA ranks in the 35th percentile of its peer group · Q1 2026

Profile

Established: 1987
Charter: FISCU
Primary regulator: NCUA
NCUA peer group: Peer group 1
Address: 2500W 30Th St, Zion, IL, 60099
NCUA charter #: 67024
RSSD ID: 1167517
Latest call report: Q1 2026

Total assets last 8 quarters

Members last 8 quarters

Quarterly financials NCUA 5300 call report

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$435K	$362K	$83K	$73K	$329	0.30%	1.82%	5.44%	163
Q4 2025	$415K	$343K	$85K	$72K	$3K	0.73%	2.19%	6.17%	164
Q3 2025	$399K	$326K	$81K	$73K	$4K	1.35%	2.97%	7.30%	202
Q2 2025	$392K	$319K	$88K	$74K	$4K	2.15%	3.91%	7.23%	201
Q1 2025	$376K	$302K	$53K	$75K	$4K	4.36%	5.95%	13.89%	211
Q4 2024	$334K	$264K	$41K	$69K	$3K	0.95%	2.45%	19.13%	214
Q3 2024	$316K	$246K	$41K	$70K	$4K	1.65%	2.73%	21.69%	211
Q2 2024	$320K	$251K	$45K	$69K	$3K	1.69%	2.96%	23.39%	211

Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $40K · securities $154K

Signals what changed in the call reports

Members down·Members -22.7% YoY (2%+ decline) — Losing members — growth and digital experience are top of mindLoans up·Loans +57.6% YoY — Fast loan growth needs funding, credit tooling and staffEfficiency worsening·Efficiency ratio 83.6%, worse 3 quarters running — Cost pressure — automation pitches resonate, discretionary spend does notDeposits up·Shares & deposits +20.2% YoY — Growing franchise; likely investing in capacity

Earlier quarters (8)

Members -23.4% YoY (2%+ decline)Q4 2025
Loans +106.0% YoYQ4 2025
Efficiency ratio 67.0%, worse 3 quarters runningQ4 2025
Shares & deposits +29.7% YoYQ4 2025
Members -4.3% YoY (2%+ decline)Q3 2025
Loans +97.5% YoYQ3 2025
Shares & deposits +32.7% YoYQ3 2025
Members -4.7% YoY (2%+ decline)Q2 2025

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Mt. Zion Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.30%	0.60%	35th
Return on equity Annualized net income ÷ equity or net worth	1.8%	4.1%	33th
Net interest margin Interest income − interest expense, ÷ assets	1.82%	3.83%

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Ratio	Mt. Zion Credit Union	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Mt. Zion Credit Union	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Mt. Zion Credit Union	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%