Vicinity Credit Union
Total assets
$201.2M
▼ -23.7% YoY
Shares & deposits
$190.1M
▼ -7.5% YoY
Loans
$90.9M
▼ -11.7% YoY
Members
17,576
▼ -7.1% YoY
ROA (annualized)
-0.26%
peers 0.69%
ROE (annualized)
-3.11%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Vicinity Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -23.7% | +3.9% | -27.6 pts |
| Share growth (YoY) | -7.5% | +3.3% | -10.8 pts |
| Loan growth (YoY) | -11.7% | +2.9% | -14.6 pts |
| ROA | -0.26% | 0.69% | -1.0 pts |
| ROE | -3.1% | 5.9% | -9.1 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
Profile
- Established
- 1931
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 4444 S Pulaski Rd, Chicago, IL, 60632
- NCUA charter #
- 60041
- RSSD ID
- 484897
- 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 | $201.2M | $190.1M | $90.9M | $16.9M | $-131K | -0.26% | 2.96% | 0.42% | 17,576 |
| Q4 2025 | $200.1M | $188.3M | $96.7M | $17.6M | $-3.5M | -1.76% | 3.01% | 0.73% | 18,678 |
| Q3 2025 | $201.7M | $190.6M | $92.1M | $20.0M | $-1.5M | -1.00% | 2.98% | 1.37% | 18,713 |
| Q2 2025 | $261.7M | $203.9M | $97.3M | $20.6M | $-895K | -0.68% | 2.26% | 1.48% | 18,678 |
| Q1 2025 | $263.8M | $205.5M | $103.0M | $21.5M | $-23K | -0.04% | 2.17% | 1.54% | 18,928 |
| Q4 2024 | $275.3M | $206.0M | $109.6M | $21.7M | $-113K | -0.04% | 2.47% | 1.83% | 19,018 |
| Q3 2024 | $279.8M | $214.1M | $116.3M | $22.5M | $70K | 0.03% | 2.47% | 1.60% | 19,273 |
| Q2 2024 | $293.4M | $222.4M | $122.6M | $22.6M | $180K | 0.12% | 2.46% | 1.55% | 19,541 |
Loan mix (Q1 2026): real estate $56.4M · commercial $0 · consumer $33.6M · securities $72.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Vicinity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.69% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -3.1% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.62% | 14th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 109.6% | 78.7% | 99th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Vicinity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
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% |
Capital
| Ratio | Vicinity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Vicinity Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
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% |
Franchise
| Ratio | Vicinity 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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