Central Federal Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Federal Savings and Loan Association of Cicero, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.17% | 1.34% | -1.17% | 6th bottom |
| ROAE | 1.75% | 13.32% | -11.57% | 7th bottom |
| Net Interest Margin | 2.74% | 3.93% | -1.19% | 6th bottom |
| Efficiency Ratio | 92.50% | 61.13% | +31.37% | 5th bottom |
| PPNR / Avg Assets | 0.22% | 1.68% | -1.46% | 4th bottom |
| Yield on Earning Assets | 4.59% | 5.67% | -1.08% | 10th bottom |
| Cost of Funds | 2.01% | 1.88% | +0.13% | 37th below |
| Net Interest Spread | 2.39% | 3.32% | -0.93% | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.72% | 0.94% | +0.78% | 16th bottom |
| NPA / Total Assets | 1.22% | 0.70% | +0.52% | 15th bottom |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 87th top |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 36th below |
| ACL / NPLs (Coverage) | 62.96% | 1538.98% | -1476.02% | 15th bottom |
| Texas Ratio | 11.60% | 7.33% | +4.27% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.32% | 12.14% | -1.82% | 38th below |
| Equity / Assets | 9.78% | 11.37% | -1.59% | 41st below |
| TCE / Tangible Assets | 9.78% | 11.09% | -1.31% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.59% | 80.64% | -0.05% | 50th above |
| Core Deposit Ratio | 85.53% | 86.86% | -1.33% | 32nd below |
| Wholesale Funding Ratio | 1.51% | 5.03% | -3.52% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.22% | 6.85% | -8.07% | 13th bottom |
| Loan Growth (Y/Y) | 3.34% | 7.90% | -4.56% | 38th below |
| Deposit Growth (Y/Y) | 1.52% | 6.29% | -4.77% | 32nd below |
See Central Federal Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central Federal Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Central Federal Savings and Loan Association profile, how to read a UBPR, or how this data updates.