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Central Federal Savings and Loan Association

$100M-$1B Specialty: Mortgage IL FDIC cert 28425

Designations: ✓ Mutual

Cicero, IL

3 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +1.5% year over year ($171.6M on the books).
  • Delinquency rate 0.66%.
  • Return on assets 0.06%.
  • Efficiency ratio 97.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.72% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Central Federal Savings and Loan Association has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 10.9% in tier
  • - Return on Assets 1.26% below tier average
  • - Net Interest Margin 1.24% below tier average
  • - Efficiency Ratio 33.20% above tier average
  • - Non-Interest-Bearing Deposit Share 13.26% below tier average
Get updates when Central Federal Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $194.6M
-1.2% YoY +0.8% QoQ
-$191.9M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $136.8M
+3.4% YoY +0.7% QoQ
-$121.5M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $171.6M
+1.5% YoY +1.1% QoQ
-$155.1M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
27%
Return on Assets ? 0.06%
+151.3% YoY +209.4% QoQ
-1.26% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 3.8% in tier
Net Interest Margin ? 2.75%
+10.6% YoY +1.0% QoQ
-1.24% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 5.6% in tier
Efficiency Ratio ? 97.68%
-9.0% YoY -5.3% QoQ
+33.20% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 2.6% in tier
Delinquency Rate ? 0.66%
-18.5% YoY -2.6% QoQ
-0.26% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 79.72%
+1.8% YoY -0.4% QoQ
+1.77% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 8.77%
-6.1% YoY -0.4% QoQ
-13.26% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 8.2% in tier
Nonperforming Asset Ratio ? 0.46%
-14.7% YoY -2.8% QoQ
-0.20% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 10.32%
+1.5% YoY +0.0% QoQ
-5.59% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 14.6% in tier
Non-Interest Income / Assets ? 0.11%
+259.4% YoY +197.5% QoQ
-0.46% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
22%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 8.8%
-0.6pp YoY
0.0pp QoQ
 -13.4pp 22.1% 20.1% 22.2% 8%
Brokered Deposits 5.3%
-0.1pp YoY
-0.1pp QoQ
 -2.5pp 7.9% 8.0% 8.5% 54%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I n/a n/a 11.6% 14.7% 12.5% n/a
CRE 8.2%
-0.2pp QoQ
 -31.3pp 39.5% 37.9% 41.4% 3%
1-4 Family 92.8%
+1.0pp YoY
+0.3pp QoQ
 +60.2pp 32.6% 28.3% 31.3% 99%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 5.4% 5.0% 5%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 10.3%
+0.1pp YoY
0.0pp QoQ
 -1.9pp 12.2% 12.2% 12.6% 38%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 42
-4 (-8.7%) YoY
0 QoQ
 -17 58 228 482 44%
Assets per Employee ($) $4.6M
+8.2% YoY
+0.8% QoQ
 -$2.9M $7.5M $8.3M $8.8M 10%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.7%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.9% 1.1% 1.0% 60%
Allowance Coverage 1.66x
+19.5% YoY
+2.3% QoQ
 -22.49x 24.15x 5.62x 20.23x 42%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.2pp 0.1% 0.1% 0.2% 17%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 0.6%
+1.8pp YoY
+1.1pp QoQ
 -11.6pp 12.2% 10.5% 11.6% 4%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 65%
Net Income ($, YTD) $57,000
+150.9% YoY
— QoQ
 -$2.5M $2.6M $11.7M $40.4M 4%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#73 of 661 • Bottom 10.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.32%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2575
Efficiency Ratio
profitability
Value: 97.68%
Peer Median: 64.48%
#2575 of 2643 Bottom 2.6% in $100M-$1B
2543
Return on Assets
profitability
Value: 0.06%
Peer Median: 1.32%
#2543 of 2643 Bottom 3.8% in $100M-$1B
2495
Net Interest Margin
profitability
Value: 2.75%
Peer Median: 3.99%
#2495 of 2643 Bottom 5.6% in $100M-$1B
2426
Non-Interest-Bearing Deposit Share
funding
Value: 8.77%
Peer Median: 22.03%
#2426 of 2643 Bottom 8.2% in $100M-$1B
2258
Tier 1 Capital Ratio
capital
Value: 10.32%
Peer Median: 15.91%
#2258 of 2643 Bottom 14.6% in $100M-$1B
2070
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2070 of 2643 Bottom 21.7% in $100M-$1B
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